Motorsport events have a high degree of risk for its participants. Medical bills can be very high due to the nature of injuries that can be sustained, such as burns.

Accident insurance traditionally covers amateur racers, professional race teams, associations and clubs. Policyholders are typically looking to cover their drivers and pit crews in the case of an accident. Accident insurance options include Accident Medical Expense, Short Term Disability and Accidental Death & Dismemberment coverage.