Go all out, with Spot
If you get injured in an accident during your race, Spot’s policy can cover your out-of-pocket medical costs up to $25,000, with a $500 deductible. Spot’s policy works whether you have health insurance or not.
Go all out in your next race with peace of mind—Spot’s got you covered.
Your Policy Includes:
Accident Medical Expense Coverage
Accidental Death or Dismemberment
Who is covered?
All registered participants in RaceReady’s covered activities who elect coverage and pay the required premium.
What is covered?
Accidental injuries while competing in motocross, UTV, ATV, and rally car racing events sponsored by RaceReady.
When are you covered?
Spot’s got your back while you are participating in an event for which you have purchased coverage offered by Spot Insurance.
Where are you covered?
Anywhere in the US.
How Injury Insurance Works
If you get injured
Go to the doctor and get treated
If you have an accident, focus on your injury first and get the treatment you need. Go to any licensed physician, hospital, ER, or urgent care clinic that is convenient to you. Whatever your physician recommends as treatment should be covered, whether that’s diagnostic tests, scans, surgery, specialist visits, prescriptions, procedures, hospital stays, ambulance or air ambulance rides, physical therapy, and more.
Filing a claim online
We're here to help
Getting injured sucks, but dealing with your insurance shouldn’t. When you’re injured with Spot, a dedicated team member will be by your side every step of the way. Our goal is to simplify the experience so we can resolve your claim as quickly as possible. Besides, you have more important things to focus on, like recovery!
See a full list of FAQs here.
What medical costs are covered under Spot?
What if I have to submit a claim?
Is Spot health insurance?
What is excluded in my policy?