Just did my annual open enrollment and one change next year is insurance companies are no longer allowed to make exclusions for doing stupid stuff like, I don't know...say...racing. In 2010, if injured, they could've said, "Of course you hurt yourself! You were racing. We don't have to cover that!" Now, not so much.

I'm told life insurance is another story. If I die doing this crap, my beneficiary gets nada. (Sorry Tony) Same for scuba and skydiving.

Check your policies and don't assume you're covered just because you hold a policy.

I think the Kawi spec class is exempt, though.