WATERTOWN, N.Y. (AP) — The last thing short-track driver Tim McCreadie remembers, he was leading in the semifinal qualifier at the Chili Bowl in Tulsa, Okla.

When he awoke, he had two problems.

His back was broken and he didn't have health insurance.

"It happened so fast," McCreadie said. "I went down the front stretch, and when I started through the corner I had no brakes. Right past the flagstand it started vibrating real bad. I thought we broke a motor."

Instead, McCreadie's rear axle had malfunctioned, sending his car first sideways and then barrel-rolling over a catch fence. McCreadie suffered a shattered vertebra in his upper back and still has floating bone fragments from the mid-January crash.

"There was way more pain than there should have been," he said. "I knew I was in bad shape. It was a bad deal."

There are an estimated 25,000 drivers like McCreadie who are competing on the more than 800 dirt race tracks in the United States. No one keeps a count of how many have insurance, but people in both the racing and insurance businesses say as many as 80 percent of drivers do not carry coverage. The only medical coverage McCreadie carried was through a small policy bought by the promoters of the event.

Dennis Huth, president of American Speed Association, estimates that a typical track's policy offers $20,000 to $30,000 in medical coverage for injured participants. "But there are tracks out there that carry $5,000 in medical insurance," Huth said.

McCreadie, the 2006 World Of Outlaws late model champion, and fellow driver Tim Fuller figure the vast majority of drivers don't buy insurance because they pour their money into their cars.

"The focus is to go faster — that's the way racers think. They'd rather buy tires and motors than health insurance because, come on, nobody's ever going to get hurt, right?" Fuller said. "You just don't think about that stuff. I always wanted health insurance in case of the big one, and the right deal came along. I'm glad that I've got it now."

Laura Hauenstein, president of WSIB Motorsports Insurance, agrees that insurance is not a priority for drivers — in a sport which has had two fatalities in the past five weeks.

"When they get to the racetrack, they really don't think about" it, she said. "And when you bug them and say, 'Hey, we need to do this,' it's like the last thing that they're thinking about."

Jessica Zemken, a 23-year-old sprint car driver from Sprakers, N.Y., said she'd have to choose between insurance and racing. So she doesn't carry any, nor does her father, who also races.

"What it would cost me for health insurance I wouldn't be able to put tires on my car," she said. "If I paid for health insurance I wouldn't be able to race, so what would I need it for?"

Fuller, whose first race car cost $60 and was fitted with a rollcage made from the rusted pipes from a boat dock, enters up to 70 events a year around the country and drove for more than a decade without coverage. But with a family to protect, he secured a policy, two months before McCreadie's crash.