When an accident occurs on the racetrack during a pari-mutuel race, qualifying race, matinee race, or Ohio county fair race at a covered location, drivers have on-track accident insurance coverage as part of the Full-Active Membership benefit.

Fair Track and Matinee Benefits are: $10,000 Accidental Death and Dismemberment (loss must occur within 1 year of accident), $250,000 Accident Medical Expense (no per claim deductible paid for by injured party and 52 week benefit period). $125 per week disability payment (104 week benefit period).

Pari-mutuel Track Policy and Benefits: $40,000 Accidental Death and Dismemberment (loss must occur within 1 year of accident), $240,000 Accident Medical Expense ($100 per claim deductible paid for by injured party and 52 week benefit period), in addition to the $10,000 base benefit limits on each track. $75 per week disability payment (104 week benefit period).