Championship Drag Racing

NHRA Insurance and Claims Information

General Insurance Information

National Event Insurance Coverage Summary

Frequently Asked Questions

Approved alternate sanctioning organizations

General Participant Accident and Liability Insurance Information

As a "participant" and/or NHRA member you are provided with certain insurance benefits at NHRA member tracks. If you are a member of NHRA you have a higher level of benefits. Highlights of those benefits are as follows:


A. Standard Member Track Event Limits:

  1. $ 10,000 Accidental Death & Dismemberment
  2. $ 15,000 Excess* Medical Benefits
  3. $ 100 Per Week Disability Payments-52 Weeks

B. National Event Limits:

  1. $ 15,000 Accidental Death
  2. $ 20,000 Accidental Dismemberment
  3. $ 15,000 Excess* Medical Benefits
  4. $ 400 Per Week Disability Payments for 52 weeks, with a 28 day waiting period for NHRA Members ($150 Per Week-52 Weeks with 1 week waiting period for Non-Members)

C. Lucas Oil Drag Racing Series/Contracted Event Minimum Limits:

  1. $ 10,000 Accidental Death
  2. $ 10,000 Accidental Dismemberment
  3. $ 15,000 Excess* Medical Benefits
  4. $ 400 Per Week Disability Payments for 52 weeks, with a 28 day waiting period for NHRA Members ($150 Per Week-52 Weeks with 1 week waiting period for Non-Members)

* Excess over any other insurance or self-insurance, federal, state or other governmental plan or law.


Provides up to $485,000 in excess medical benefits and up to $40,000 in excess Dismemberment benefits to current NHRA members, as determined solely by the membership records of NHRA, who sustain accidental bodily injury while attending or participating in a covered drag racing event at NHRA member tracks.


In the event an NHRA MEMBER PARTICIPANT (as defined in the policy) is accidentally injured at a covered NHRA Member Track event, the previously described coverages would be in effect for eligible medical expenses in the following order, and as applicable:

  • Any other medical coverage available to a participant applies up to the limits of that policy or plan.
  • The NHRA Member Track insurance responds to the next $15,000 of medical costs.
  • The NHRA Member/Catastrophic Medical insurance applies in excess of the NHRA Member Track insurance up to a total limit of $485,000.

The Participant Accident policy for National Hot Rod Association (NHRA) is an Excess Policy, which means that coverage is not available until all other insurance, self-insurance, or governmental plans available to the participant are exhausted. Any medical benefits paid to a non-participant NHRA member are subject to a $20,000 deductible.

Coverage pays Reasonable Expenses for Medical or Dental care if:

    a) the first expense is incurred within 60 days after the accident; and
    b) the expense is incurred within 3 years after the accident.

Reasonable Expenses means expenses which do not exceed those generally charged for similar Medical or Dental Care in the local area where treatment is rendered.

Medical or Dental care means the necessary medical, dental or surgical treatment, services or supplies, hospital, nursing and ambulance services. All Medical or Dental Care must be provided by a legally qualified physician or dentist for the sole purpose of treating the injury, and all coverages are subject to specific limitations and exclusions.


The Participant Accident coverages described in this Bulletin are provided by different insurance agents and insurance companies, depending on the type of event.

If you have general questions (not related to a specific claim) regarding Participant Accident coverages, you may contact Ms. Trendolyn Walters at Wells Fargo Motorsports, P. O. Box 983, Houston, TX 77001-0983. Ms. Walters can be reached at: (800) 364-9476, Ext. 731, or email her at You may also contact Ms. Walters if you have any questions regarding the NHRA Member Catastrophic coverage.

If you've been injured and have questions regarding your claim, please contact the insurance company that is handling your claim. If you do not have any information about the insurance company that is handling your claim, please contact the track where your incident occurred. The track official will provide you with the name and phone number for the insurance company.

If you are unsuccessful in obtaining insurance information from the track, please contact Nancy Holland at (800)364-9476, Ext 726, or email her at


Commercial General Liability insurance is in effect for all covered NHRA drag racing events that are conducted at NHRA member tracks and for which a premium has been paid to the insurance company. Additional insured coverage is automatically included for race car drivers, their crew, event sponsors, and any person or organization owning or sponsoring racing vehicles or racing vehicle drivers, in the event of a covered liability claim arising out of the track's operations. The minimum limit of liability insurance in effect is $1,000,000 per occurrence. The limit of liability in effect at Lucas Oil events and National Events is substantially higher.

If you want to consider purchasing your own Liability coverage that would apply in excess of this coverage, please contact Jennifer Harrison at Wells Fargo Motorsports. Her number is (800) 364-9476 Ext 719. You can also e-mail her at

(Coverage is, at all times, limited to the terms, conditions and exclusions of the master policy)