Soooo...... I have posted about this in the past, and not really gotten things figured out. A little backstory: I have done a fair amount of track days over the past 4 seasons, and wanted to try my hand at actual racing. I went to Nelson Ledges for school and to get my certification so that I could do some Motoseries rounds and hopefully vintage days at Mid-O (I'm and SV guy). It was my first time at Nelson and third lap 'round I went wide out of the carousel and long story short, ended up with a $71,000 collar bone. It's my understanding that I am lucky in that I did this during a track day practice session, so I was covered under my normal health insurance policy. It's also my understanding (and someone please correct me if I don't have accurate info) that I were to have done this, say, during a race on Sunday that I would not have been covered and had to foot the bill, putting me MASSIVELY in debt. I have been looking around at supplemental insurance like AFLAC, but the policies they offer wouldn't have even come close to covering my last accident, if it were to have happened on Sunday. So what do you guys that race do? Is there something I am missing/don't know about? Do you have supplemental insurance? I would much appreciate any input or opinions and thanks for your time in advance.