IHRA Participant Accident Coverage: What Every Racer Should Know
As an International Hot Rod Association (IHRA) member, you’re covered by participant accident insurance whenever you compete at IHRA-sanctioned events and IHRA member tracks. This coverage applies across all divisions, classes, and racing categories, including both land- and water-based motorsports.
What the coverage includes
* $1,000,000 Excess Medical Benefit for covered injuries
* $500,000 Accidental Death & Dismemberment (AD&D)
* $200 weekly disability benefit, payable for up to 52 weeks, subject to policy terms and conditions
Covered Activities:
IHRA participant accident coverage applies during sanctioned motorsports activities, including:
* Official races
* Practice sessions
* Qualifying rounds
* Testing and tuning
These activities must be organized or sponsored by IHRA and conducted at approved facilities and locations designated for those purposes.
For racers, teams, and crew members alike, IHRA participant accident coverage provides an added layer of financial protection—so you can stay focused on performance, competition, and getting back in the lanes.
