Dear USA Cycling Officials,
Here is a follow up on our rider insurance procedures. You may well be asked questions from riders regarding how they file claims, so this is the procedure:
When a Report of Occurrence is received by the internal membership coordinator; it is scanned to our insurance company (K&K).
At that time K&K enters it into their system but the claim is pended until the injured rider submits a claim form. K&K does not generate a claim form and send it to the rider. Riders can receive a claim form by calling K&K at 1-800-237-2917 and choosing Option 1. The rider will need to request a USA Cycling Claim Form, fill it out and mail it back to the insurance company.
Our K&K representative will be sending an insurance claim form so it can be added to our insurance information online. The information “choose Option 1 and ask for a USA Cycling Claim Form” will also be added to our online instructions.
Riders may also call the 800 number if they have questions (1-800-237-2917).
Different companies have different processes and with the switch of insurance carriers comes a switch in how claims are handled. Because the insurance company does not officially start a claim until they receive a claim form from the rider, they are then not left with a lot of open claims with no action.
Below is more detailed information for your convenience.
FILING ACCIDENT FORMS
- 1. Anyone injured at an event must have his or her accident reported to a race official the day of the race.
- If an injured rider wishes to file a claim, he or she must call 800-237-2917. A claim form must be filed with the insurance company within 30 days of the accident.
- If an injured rider has primary insurance coverage:
- They need to file a claim with their primary insurance carrier.
- They need to call Specialty Benefits, Inc. at the number listed above.
- They need to submit copies of their medical invoices and an Explanation of Benefits from their primary carrier to:
c/o K & K Insurance Group - Claim Department
1712 Magnovox Way
PO Box 2338
Fort Wayne, IN 46801-2338
- 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.
- If an injured rider has no other medical insurance coverage:
- Rider must do 1, 2, and 3b as outlined above.
- Rider must submit their medical invoices directly to the USA Cycling insurance carrier.
- 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.
Feel free to contact me if you have any further questions.