Insurance information

How to File Accident Forms for Accidents that occurred prior to December 31, 2021:

1. Anyone injured at an event must have his or her accident reported to a race official on the day of the race.

2. If an injured rider wishes to file a claim, he or she must submit the Accident Insurance Claim Form per the instructions on the claim form.  The claim form, which is available on the USA Cycling website, must be filed with the insurance company within 30 days of the accident.

3.  If an injured rider has primary insurance coverage:
a.  They need to file a claim with their primary insurance carrier.
     b.  They need to submit copies of their medical invoices and an Explanation of Benefits from their primary carrier to:

             Claims@GetSpot.com

4.  Once the primary carrier has paid their portion of the medical expenses, the USA Cycling carrier will pay 70% of the Reasonable and Customary remaining expenses ABOVE the deductible, up to a limit of $25,000.

5.  If an injured rider has no other medical insurance coverage:
a.  Rider must do 1, 2, and 3b as outlined above.
b.  Rider must submit their medical invoices directly to the USA Cycling insurance carrier.
c.  The USA Cycling carrier will pay 70% of the Reasonable and Customary medical expenses after the $5,000 out-of-pocket deductible up to a limit of $25,000.

Click here to download the accident claim form.

If you were injured at an after January 1, 2022, please follow this process.