(STIDA) was formed in 1998. We are an international company that
has been serving the safety needs of drivers for 15 years.
Our insurance covers
you in any country! If you are from the United States and plan on racing in Australia, you
will be covered with our policy. The same rules apply if you are from New Zealand and
plan on racing in the United States, you are covered!
(STIDA) has been formed in an effort to help short track drivers in a few key areas. First and foremost we are going to promote safety and keep you abreast of the latest safety technologies in our sport.
offer three (3) membership packages.
GREEN membership is $100,000 ($85,000 plus a $15,000 deductible)
in excess medical coverage. Cost per member is $299
WHITE membership is $250,000 ($235,000
plus a $15,000 deductible) in excess medical coverage. Cost per member
CHECKERED membership is $500,000
($485,000 plus a $15,000 deductible) in excess medical coverage. Cost per member
These three (3) membership packages are good for a two-year benefit period, when you are racing anywhere in the World. Make sure the track you are racing has at least $15,000 in insurance coverage to take care of the deductible for this policy. This policy is available to drivers, crew members, officials, photographers, push truck drivers, etc. and will cover ANY track.
Other benefits include:
* Policies run
from January 1 to January 1.
***** Must have roll over protection and seat belts. NO AGE LIMIT! ******
Go carts, cycles, four wheelers, and snowmobiles
are NOT covered.
by Robin Miller, SPEEDTV
It was the recipe for disaster: an
un-insured race driver with a spinal cord injury at a
track with very little coverage. But, thankfully, Tim
McCreadie wasn't paralyzed, hospitalized or facing major
surgery following his nasty flip at the Chili Bowl in
Tulsa on Jan. 15.
The dirt modified star from New York suffered a
fractured vertebrae and must wear a back brace for
another couple months before he can drive again but it
could have been so much worse -- in every way.
McCreadie had no personal insurance and Chili Bowl
promoters Lanny Edwards and Emmit Hahn carried a paltry
$25,000 policy for the 295 drivers entered in the winter
indoor midget classic.
In this case, both parties are negligent.
"If Tim would have been injured like Jacques Lazier was
a few years ago and required surgery it would have been
a minimum of $60,000 for the operation," said Dr. Terry
Trammell, the orthopedic saviour of racers for the past
three decades who examined McCreadie last week.
"If he would have been paralyzed, well, the costs to
take care of him would be astronomical."
Like many young racers, McCreadie had no coverage on
himself, for disability or hospitalization. Tony Stewart
admitted he never had any when he was a midget/sprint
regular in USAC. Ditto for Kasey Kahne and two-time USAC
sprint champ Levi Jones just started buying some when he
"A lot of guys don't think they can afford it but
there's a policy out there that a driver can't afford
not to have," said Tracy Hines, the multi-USAC champ who
began buying insurance when he went to NASCAR a few
"It's only $425 a year and it provides $250,000 in
This particular policy was the creation of former USAC
champ Larry Rice, who passed the business onto his son,
Robbie. It's called the
Short Track Independent Drivers &
Associates and it's
underwritten by Nationwide through K & K Insurance.
"There was nothing for the young guys starting out who
ran the weekly sprint shows," said Rice, the 1978
co-rookie of the year at Indianapolis with Rick Mears
who has been working for K & K for 19 years.
"And 60 percent of the calls my son Robbie gets are the
wives, mothers and fathers of the drivers, the drivers
hardly ever call because they either don't think about
it or don't think they need it."
IRL veteran Davey Hamilton is the perfect example of
somebody who needed a push from somebody else to get
insurance and was forever grateful.
"I don't think I had insurance until I drove for Rick
Galles because I was young and invincible and never
thought I was going to get hurt," recalled Hamilton,
whose feet were shattered in a ghastly accident at Texas
"It cost $20,000 a year and it hurt making those
payments but thank god I had it because I needed it. I
would have been financially ruined without it. I was
junk physically for two years and that was tough enough
without being broke."
Wiley old Steve Kinser takes a different approach. The
World of Outlaws legend makes himself an independent
contractor and simply uses a workman's comp policy.
On the flip side, drivers depend on tracks or
sanctioning bodies to provide adequate coverage, which
isn't always the case.
"I don't bash USAC because it provides the best coverage
in motorsports," said Tom Johnson, a longtime racing
insurance man with Wells Fargo who also co-owns USAC
Silver Crown cars and promoted the Hoosier Hundred in
2006. "USAC has taken care of a lot of people over the
years but, unfortunately, a lot of promoters don't think
"It's insanity to only have $25,000 worth of coverage
and that really screws over the drivers."
The bottom line is that USAC provides better coverage
than everyone except NASCAR and the IRL. A USAC member
has $200,000 worth of medical while a temporary member
is entitled to $100,000. And this doesn't count all the
money sent to disabled racers through the years from the
USAC Benevolent Fund.
Obviously, all short trackers can't run in USAC so a
driver has to look out for No. 1 or at least his family.
In Hamilton's case, he almost needs insurance from
himself. After two painful years of rehab, K & K
determined he was permanently disabled since his ankles
were fused together. He was awarded a big settlement.
But, since racing was all he knew, the personable
46-year-old couldn't stay away and driving the IRL
2-seater wasn't enough. He was back in the Indy 500
starting lineup in 2007 and nobody has ever paid more to
drive at IMS.
"I had to give K & K their money back and that hurt
almost as much as my feet," chuckles Hamilton, who is
now protected by Gorsline with medical and personal
disability and plans to run in his third consecutive
Indy 500 this May in addition to starting his own Indy
Lights team, running selected midget and sprint races
and promoting at Terre Haute.
"But I've had two great companies with K & K and
Gorsline and I can't stress enough to young drivers they