IMCA membership for 2025 includes a $100,000 excess medical insurance policy ($5,000 deductible) which covers you at any IMCA sanctioned event. This excess medical coverage goes into effect after the $5,000 deductible has been met, per the terms and conditions of the policy, as a result of an IMCA sanctioned racing accident, up to $100,000. This excess medical coverage is over the track insurance and any other valid and collectible insurance that you, the IMCA member, may have. A $10,000 accidental death, dismemberment and paralysis policy is also included for IMCA sanctioned events, or for travel to or from IMCA sanctioned events. The policy period is from 1/1/25 to 12/31/25.