There is some subtlety in the USAC insurance coverage. The USAC insurance has two tiers. If you have a “race” license there is coverage during the event with a deductible. If you have a “ride” or “race+” membership/license they you get spot insurance which covers up to $25,000 of out of pocket expenses. The nice thing about spot is that it covers you pretty much anytime you are on the bike. The one exception is if you are riding in a non-USAC race.