Ah, great, another thing for me to be paranoid about. "Yeah, they transported his mangled body back to Denver in a helicopter, and it's gonna cost ya!'

Mostly kidding, it's good you're looking into this shit. Life insurance, accidental death and dismemberment, and general health insurance is something anyone going to the track ought to check out. Having a policy not cover you during non-professional competition would suuuuuuuuck.