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gymnast
Moderator
2814 Posts
[Mentor]
Meridian, Idaho
USA
Harley-Davidson
Sportster Sport
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 Posted - 12/01/2008 : 6:07 PM
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Should persons participating in rider training courses be provided the opportunity to purchase medical-injury insurance coverage when participating in formal rider training classes?
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aidanspa
 Advanced Member
1458 Posts
[Mentor]
Omaha, NE
USA
Harley-Davidson
Heritage Softail
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Posted - 12/01/2008 : 9:50 PM
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This is a great question.
I think it would be a good idea to provide students the opportunity to purchase injury insurance prior to rider training classes. As the waiver paperwork is being quickly signed through an adrenaline fog, it would bring the very real possibility of rider injury to the students' attention, and give them the opportunity to seriously consider: 1) how little coverage they probably have through their employers, and 2) how much it may cost them out of pocket if they do sustain injury during training.
However, as I understand the current system, a student will never be offered the chance to buy insurance as long as the MSF monopoly is in charge of rider training. The layers of insulation between the students/Riders Coaches and the MSF, including the Liability Waivers releasing MSF from any action due to death or injury pretty much leaves the student out to dry as far as injury costs go.
Now, if MSF had an insurance division (not recognizable as such), I'm sure they would find a way to market insurance to students ($).
Where this gets interesting is if we can actually get the insurance industry directly involved in rider training programs, as we've been discussing here. It seems to me that another profit center would be in place for the insurers with the the rider training class injury policies. Something more to consider for the ROI.
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biocoach
Senior Member
259 Posts
Falls Church, Va
USA
GAS GAS
280
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Posted - 12/10/2008 : 8:29 PM
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If you're starting to ride a motorcycle, even just for a class, it's your responsibility to ensure you have good insurance coverage. I don't see why this is something that a site would consider offering. Are there other industries that offer this insurance? In my experience with kayak, hang gliding, rock climbing and skydiving classes it's never been offered and those are equally dangerous.
Anyway, if you don't have good health insurance, you shouldn't be on a motorcycle. You should probably have disability insurance as well. |
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gymnast
Moderator
2814 Posts
[Mentor]
Meridian, Idaho
USA
Harley-Davidson
Sportster Sport
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Posted - 12/10/2008 : 10:40 PM
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Biocoach, after looking at the release forms that a student is required to sign in order to participate in a course, particularly in a state that requires a course in order to get a license, such as Florida, I agree with idea and you are right that you shouldn't be on a motorcycle unless you have insurance to cover the cost of any "mishap".
On the other hand I can see where the course provider and particularly the instructors may be a "target" if an uninsured student is injured in a course. Further, I believe that the likelihood of litigation would be greatly reduced if the medical expenses for any injurious "mishaps" during instruction were "covered" with a known provider of medical insurance.
I have devoted considerable thought to this subject for several decades and find it to be a "weak spot" in the universe of program delivery considerations.
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House_of_Dexter
Standard Member
167 Posts
Richardson, Tx
USA
Kawasaki
2007 Ex-500
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Posted - 12/11/2008 : 9:26 AM
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quote:
Originally posted by gymnast
Biocoach, after looking at the release forms that a student is required to sign in order to participate in a course, particularly in a state that requires a course in order to get a license, such as Florida, I agree with idea and you are right that you shouldn't be on a motorcycle unless you have insurance to cover the cost of any "mishap".
On the other hand I can see where the course provider and particularly the instructors may be a "target" if an uninsured student is injured in a course. Further, I believe that the likelihood of litigation would be greatly reduced if the medical expenses for any injurious "mishaps" during instruction were "covered" with a known provider of medical insurance.
I have devoted considerable thought to this subject for several decades and find it to be a "weak spot" in the universe of program delivery considerations.
The problem with offering Insurance...Is that some states require someone on site to be licensed Property and Casual Insurance Agent to offer it. |
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Student insurance for rider training courses.