..... I am sure coverage was in place & I would think the driver has absolutely no responsibility under any circumstances to have his own insurance cover the med costs of the instructor, supposed it was a track only car without med coverage? How would it be covered then? The last time I did a track event in a street car, noone asked me to provide proof of medical coverage or liability insurance.Nevermind the horrible precident of suing a driver on a race track. there are risks involved when anyone enters a track & especially when instructing.
Well, you thought partly correct. No disrespect, but the liability policy undoubtedly in place is most likley a SECONDARY insurance, while the driver / owner, who cooperated fully in the process, furnished his auto policy as PRIMARY coverage. This covers the instructor's (passenger) medical and lost wages.
It is NOT a precedent, either. At Infineon this year, the widow is suing EVERYONE after a Ferrari track event / fatality killed a passenger. Even the worker who released-waved the cars out on track is getting sued.
And, injuries happened here at a VCA event in Pac-NW a few years ago. Allstate paid the instructor's ambulance, medical bills and lost wages. [due in large part to the fact that ALL DRIVERS SIGNED IN AS "STUDENT" on our waiver form. ALWAYS, Always DO THIS. All Instructors should -Always- sign in as "INSTRUCTOR" even if no line exists for 'duties'. ] If there is a dispute, the signature clearly shows your INTENT.
At VOI-6, none other than Mr. Skip Barber himself asked me how we handled that claim! Fortunately, that instructor was not as litigious, nor were his injuries as severe.
In the case of the SCCA insurance, it is PRIMARY coverage for workers and designated CREW members WHO ARE SCCA MEMBERS.
THERE ARE SOME LESSONS TO BE LEARNED HERE, FOR EVERYONE WHO EVER PLANS TO DRIVE, OR INSTRUCT ON A RACE TRACK.....
P.P.S. If you are a DIRECTOR AT LARGE as your AVTAR shows, please consider adding your name to your profile and signature? THANKS !