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Old 01-12-2006, 02:43 PM   #16
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Quote:
Originally Posted by KENZO88
So,.....I guess that we'll check into ROAR. It seems like the most inexpensive.
Click on the links I posted above and you'll get some information. Most city/county/state owned properties require clubs have a liability form of insurance they carry on their own. ROAR is the least expensive. To the members, its $30.00 annual or if they don't want to pay for a full year because they don't travel to ROAR events, there is a single event coverage fee of $15.00 (covers only that weekend or event)

So: club/track $65.00 annual
member $30.00 annual

The track also gets their listing on the website and the RevUP ONLINE! for contact information and can request sanctioning for larger events.
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Old 01-12-2006, 02:54 PM   #17
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Dawn also gets $15.95 for each membership she sells so please be sure to mention her name when you sign up
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Old 01-12-2006, 03:04 PM   #18
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Quote:
Originally Posted by jamescam
Dawn also gets $15.95 for each membership she sells so please be sure to mention her name when you sign up

LOL..


And she even gets a free Honda Accord after she sells 1000 accounts!
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Old 01-12-2006, 03:32 PM   #19
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I cant say she wouldnt deserve it from some of the crap Iv seen her put up with in here lol
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Old 01-12-2006, 03:40 PM   #20
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from the roar site

Liability: This policy protects members from claims resulting from damage caused by their R/C car to spectators and others. The insurance company has the right and duty to defend the insured (member) against any suit seeking damages because of bodily injury or property damage, and pay those sums the insured becomes legally obligated to pay up to the $ 1 Million policy limit. This applies to ROAR sanctioned races and practices and basically applies to accidents directly related to the operation of an R/C car. Damage caused by a wind blown pit umbrella or shade tent isn't covered. Often that kind of coverage is provided by your homeowners policy. In my opinion, the greatest value here is the protection from lawyers and lawsuits. (Insurance company has the duty to defend...). You've got to have a real bummer of an accident to cause $1 Million in damage. In terms of cost, this liability coverage currently represents about $4.80 of your annual membership fee. The liability cost per member has increased compared to a few years ago, primarily because the insurance industry is experiencing more lawsuits and larger damage awards for liability claims in general.

Bodily Injury: I like to think of this as a "no-fault" injury policy because it pays medical expenses if you hurt yourself in a ROAR sanctioned race (trip over your own feet turn-marshalling) up to $10,000. Most member's accidents are minor and fall within the current $200 deductible for each claim, however, a broken leg with resulting hospital and doctor bills adds up real fast with today's high medical costs. In terms of cost, the bodily injury coverage currently represents $1.40 of your annual membership fee. During the last few years, the insurance company has paid claims including one for nearly $6000 to cover medical costs for a memberís broken arm. It also rejected one claim for nearly $1000 identified by the Emergency Room physician as a skateboarding injury, which obviously was not RC related. One aspect of both policies of insurance is that they are secondary to any coverage you may have that is already obligated to pay the covered expenses. In other words, you would not be able to receive payment twice for the same expense.


basically if you are a spectator gets hit by a car it's covered. fall down turnmarshalling covered.

trip on a extension cord on the way to snack bar not covered.
driver stand calapses not covered.


Kenso Talk to Mike Bean he'll help yah out.
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Old 01-12-2006, 04:54 PM   #21
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Thanks for the info. Dave. Greatly appreciated!
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Old 01-12-2006, 05:02 PM   #22
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Quote:
Originally Posted by Dawn Sanchez
I don't understand. ROAR is USA and Canada. For $30.00 club affiliation and $35.00 extended liability ANNUAL fee for ROAR, its the most inexpensive insurance.

So, for $65.00 (US) annual which is about $80.00 Canada, I believe.
Thats 80$ most of my local club members would rather use on spare parts and tires. None of our members pay out of pocket for insurance. The club pays for it through our race fees. Our club is 100% own and operated by its members so cost is always an issue. Racers come and go as they please and dont need to worry if they got there 80$ worth if they dont race often. Currently we charge a annual all u can race/practice fee of 50$ a month for 12months. Ask for another 80??? ITs just not right for us. Non members pay as they go 20$ a race.
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Old 01-12-2006, 06:27 PM   #23
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Quote:
Originally Posted by KENZO88
Thanks for the info. Dave. Greatly appreciated!

this is Kenzo from Naples right???
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Old 01-12-2006, 06:43 PM   #24
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Quote:
Originally Posted by Dawn Sanchez
That is not correct. We have checked into that rumor several times.
Thanks Dawn.
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Old 01-12-2006, 07:02 PM   #25
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That's right. The one and only!
Quote:
Originally Posted by davepull
this is Kenzo from Naples right???
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Old 01-12-2006, 07:21 PM   #26
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Quote:
Originally Posted by Joel Lagace
Thats 80$ most of my local club members would rather use on spare parts and tires. None of our members pay out of pocket for insurance. The club pays for it through our race fees. Our club is 100% own and operated by its members so cost is always an issue. Racers come and go as they please and dont need to worry if they got there 80$ worth if they dont race often. Currently we charge a annual all u can race/practice fee of 50$ a month for 12months. Ask for another 80??? ITs just not right for us. Non members pay as they go 20$ a race.
Joel - you are not understanding or I'm not being very clear....

The individual membership is $30.00 (US) annual. The member pays that for their policy.

The track/club affiliation is $30.00 (US) annual PLUS AN OPTIONAL additional liability coverage for another $35 (US). The $80 (Canada) is both of those amounts for the track/club affiliation - the track owner or land owner pays this for their own security against lawsuit due to injury.

So, your club, land and racing is owned and paid by the each racer at your facility. Lets say you have 50 people participating: that's $31.30 to each person for their own individual policy plus a full liability policy for the land and club security.... annual. Currently, you are charging $50.00 a month and you are figuring $2.60 a month is no better deal? (thats with 50 people)

Ok, lets figure you have 20 people paying all expenses:

that's 33.25 per person - ANNUAL which is $2.77 a month.
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Old 01-12-2006, 07:22 PM   #27
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and... I'll take that free car shipped to my home address found on the website...
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Old 01-12-2006, 07:28 PM   #28
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Quote:
Originally Posted by davepull
driver stand calapses not covered.


Yes it is. Thats under the track/landowner liability coverage of the additional $35.00 a year. Not to mention their own business insurance or property insurance required in most states and mortgage companies.

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Old 01-12-2006, 07:38 PM   #29
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So, you're saying $70.00 for the club, and $30.00 for each member per year. That covers "most" accidents?
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Old 01-12-2006, 07:45 PM   #30
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Quote:
Originally Posted by KENZO88
So, you're saying $70.00 for the club, and $30.00 for each member per year. That covers "most" accidents?
$30 - Track
$35 - Track optional
$30 - each member

yes.
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