Hey,
I just called my insurance agent to find out about insurance implications while running on the track. He cam back and said that there is no coverage while on the track, for me or for liability. He also said that new exclusions are being written into the law (possibly only ohio) to allow them to exclude coverage for any competitive driving event, even on the street. So that would involve qualifing, driving schools (Expo), and street drags. Also, i was told that there are exclustions being written that even in normal driving, if you are in an accident, and have modifications to your engine, they can refuse coverage.
So the big question out of this is what do all the drivers do here for liability coverage while on the track, as well as coverage for themselves?
Just to make sure, liability is for whatever damage is done to another person, or their property.
Definalty need some opinions on this cause it will hinge on whether i will drive at the expo, or just attend.
Thanks

 

<TABLE WIDTH="90%" CELLSPACING=0 CELLPADDING=0 ALIGN=CENTER><TR><TD>Quote, originally posted by BDBGoalie1982 &raquo;</TD></TR><TR><TD CLASS="quote">Hey,
I just called my insurance agent to find out about insurance implications while running on the track. He cam back and said that there is no coverage while on the track, for me or for liability. He also said that new exclusions are being written into the law (possibly only ohio) to allow them to exclude coverage for any competitive driving event, even on the street. So that would involve qualifing, driving schools (Expo), and street drags. Also, i was told that there are exclustions being written that even in normal driving, if you are in an accident, and have modifications to your engine, they can refuse coverage.
So the big question out of this is what do all the drivers do here for liability coverage while on the track, as well as coverage for themselves?
Just to make sure, liability is for whatever damage is done to another person, or their property.
Definalty need some opinions on this cause it will hinge on whether i will drive at the expo, or just attend.
Thanks</TD></TR></TABLE>


Well I believe its becoming that way all over now. I know that insurance companys in MD are going to tracks now (drag and X) and getting cars on camera and gettign license plate tags.

If they catch you on camera, they raise your insurance to ridiculous amounts. Sometimes drop you. My advice is to take you tags off when you go to those tracks. ITs what I do.

Also, if you get in an accident while racing, just lie to them....

 

<TABLE WIDTH="90%" CELLSPACING=0 CELLPADDING=0 ALIGN=CENTER><TR><TD>Quote, originally posted by BDBGoalie1982 &raquo;</TD></TR><TR><TD CLASS="quote">Hey,
I just called my insurance agent to find out about insurance implications while running on the track. He cam back and said that there is no coverage while on the track, for me or for liability. He also said that new exclusions are being written into the law (possibly only ohio) to allow them to exclude coverage for any <U>competitive</U> driving event, even on the street. So that would involve qualifing, driving schools (Expo), and street drags. </TD></TR></TABLE>

Just to clarify Expo is not really a competition like SCCA autox or drag events. Your laps aren't even timed. Probably doesn't make a difference to your insurance company though...

 

Since track evens have become more popular, insurnace companies are looking for ways to get out of having to cover cars at these events. In my 7+ years of HPDEs, every1 I know who has stuffed their car at an HPDE and has been honest with their insurance co was covered. They may have dropped them after, the they did cover it.

Also note that the Expo and all HPDEs are not competitive events.

<TABLE WIDTH="90%" CELLSPACING=0 CELLPADDING=0 ALIGN=CENTER><TR><TD>Quote, originally posted by totsie7944 &raquo;</TD></TR><TR><TD CLASS="quote">Also, if you get in an accident while racing, just lie to them....</TD></TR></TABLE>

Yea .. great advice. So after the insurance co doesn't pay for your stuffed car you can grab your knees for buba in the pen for insurance fraud.

 

i just assume i'm not going to be covered if something happens on track. It's kinda sad but not much you can do.

<TABLE WIDTH="90%" CELLSPACING=0 CELLPADDING=0 ALIGN=CENTER><TR><TD>Quote, originally posted by SPiFF &raquo;</TD></TR><TR><TD CLASS="quote">So after the insurance co doesn't pay for your stuffed car you can grab your knees for buba in the pen for insurance fraud.</TD></TR></TABLE>

how is it fraud if they don't pay out on your claim?

like mentioned before HPDE's are driver education, not competitive but like most insurance co's these days that doesn't matter.

anyways, be careful out there.

s

 

<TABLE WIDTH="90%" CELLSPACING=0 CELLPADDING=0 ALIGN=CENTER><TR><TD>Quote, originally posted by SPiFF &raquo;</TD></TR><TR><TD CLASS="quote">
Yea .. great advice. So after the insurance co doesn't pay for your stuffed car you can grab your knees for buba in the pen for insurance fraud.</TD></TR></TABLE>


yea what are you talking about?? People lie all the time about car accidents. You think if someone backs into a pole and puts minor damage on their car, they are gonna tell the company THEY hit something, or that someone hit them while parked in a parking lot and that person left?

I think most people would lie about that. Either way, telling them you were racing is stupid. I would just say it was a normal accident.

 

You're on your own... pretty much.

Consequence of reporting your accident while on track:
1. They pay to fix your car, but your premium goes up or you're dropped.
2. If insurance company notes that you race on track (due to your report), they will report you to be a "HIGH RISK" individual. So, that will affect not only your car insurance, but also your life, health & mortage insurance. (&lt;-- all insurance database are connected).

A good lesson is... if you can't write off your car, don't push your car more than you can handle. (even then, you better be lucky not to do anything to your car)

 

From what i was told,
Any event on a sanctioned or unsanctioned location, that can be related to racing in any way, can be cause for exempting them from covering the damages.
The real danger is in if someone is injured or killed and the insurance company comes after you. Millions of dollars in damages and no coverage, you could get royally screwed. Granted that won't happen at a well controlled driving school like the Expo, still a worry.
I also worry now that the insurance company wants a list of modification i have done to my vehicle. Should i tell them or not? Whith the way the new rules are coming down, it seems i could get dropped just for modifing the car, let alone racing it. Also, if im hit on the freeway, going 65 minding my own buisness. becasue of engine mods, i could be excluded

 

<TABLE WIDTH="90%" CELLSPACING=0 CELLPADDING=0 ALIGN=CENTER><TR><TD>Quote, originally posted by BDBGoalie1982 &raquo;</TD></TR><TR><TD CLASS="quote">From what i was told,
Any event on a sanctioned or unsanctioned location, that can be related to racing in any way, can be cause for exempting them from covering the damages.
The real danger is in if someone is injured or killed and the insurance company comes after you. Millions of dollars in damages and no coverage, you could get royally screwed. Granted that won't happen at a well controlled driving school like the Expo, still a worry.
I also worry now that the insurance company wants a list of modification i have done to my vehicle. Should i tell them or not? Whith the way the new rules are coming down, it seems i could get dropped just for modifing the car, let alone racing it. Also, if im hit on the freeway, going 65 minding my own buisness. becasue of engine mods, i could be excluded</TD></TR></TABLE>And I thought cali was bad......

 

Id advise everyone an annomously check with your insurance companies for your states
This is very new and hidden to an extent

Fukin Fast and Furious
Agent told me a movie was partially the cause of this

 

i wonder if PA is doing anything

 

<TABLE WIDTH="90%" CELLSPACING=0 CELLPADDING=0 ALIGN=CENTER><TR><TD>Quote, originally posted by BDBGoalie1982 &raquo;</TD></TR><TR><TD CLASS="quote">I also worry now that the insurance company wants a list of modification i have done to my vehicle. Should i tell them or not? Whith the way the new rules are coming down, it seems i could get dropped just for modifing the car, let alone racing it. Also, if im hit on the freeway, going 65 minding my own buisness. becasue of engine mods, i could be excluded</TD></TR></TABLE>

I do not know how your company works, but mine wanted a list of modifications to determine additional coverage value and premium. I was given an option to accept or decline it. If I declined, there would be no raise in my policy cost. As a former ITR theft victim, I took the additional coverage with a modest increase in my overall policy cost.

-Brad

 

Pay to play or don't

But for the most part the event is run by caring people who want to see 100% safety at all times.
There is the chance of a mistake by someone or you, cause we are all human, but last year I think there was only a minor mishap other then the Mitsu blowing the motor.

Sign up for driving and when you get there you won't be able to stop yourself from getting on the track anyway... Once you see how it's set up and run it's just inviting.

Come and drive, take it easy on you and the car till your comfortable and asked to be placed in a group that is on the slow side...

 

i could of sworn i heard somewhere that insurance companies will think better of you, and perhaps help you out in coverage if you prove that you went to a driving school. something about it making you a "better driver" on the streets. more alert and you know what to look for.

i heard it loooong time ago and cant remember a thing about it.

 

<TABLE WIDTH="90%" CELLSPACING=0 CELLPADDING=0 ALIGN=CENTER><TR><TD>Quote, originally posted by baonest &raquo;</TD></TR><TR><TD CLASS="quote">i could of sworn i heard somewhere that insurance companies will think better of you, and perhaps help you out in coverage if you prove that you went to a driving school. something about it making you a "better driver" on the streets. more alert and you know what to look for.

i heard it loooong time ago and cant remember a thing about it.

</TD></TR></TABLE>

going to driving school and performance driving school are 2 different things. i know attending driving school has gotten me discounts until now since i am 21 (considered adult by insurance co). Attending performance driving school seems to make you high risk cause you're going to racing

 

I know GEICO won't cover anything, regardless...

...must be why it's so cheap ...oh well, gotta pay to play as someone above me has put it...which is why I haven't played and won't be until I buy another car for DD and turn mine into a track-only.

the instant my wheels touch the track my car is a writeoff

...liability is a whole 'nother story...

 

Well, i know once i get on the track, im gonna run it for what its worth. But the cr is in dad's name, so any mishaps that occur effect him, so he get a choice in the matter.
the pains of being under 25

 

<TABLE WIDTH="90%" CELLSPACING=0 CELLPADDING=0 ALIGN=CENTER><TR><TD>Quote, originally posted by Nishant &raquo;</TD></TR><TR><TD CLASS="quote">going to driving school and performance driving school are 2 different things. i know attending driving school has gotten me discounts until now since i am 21 (considered adult by insurance co). Attending performance driving school seems to make you high risk cause you're going to racing</TD></TR></TABLE>

 

<TABLE WIDTH="90%" CELLSPACING=0 CELLPADDING=0 ALIGN=CENTER><TR><TD>Quote, originally posted by BDBGoalie1982 &raquo;</TD></TR><TR><TD CLASS="quote">Well, i know once i get on the track, im gonna run it for what its worth. But the cr is in dad's name, so any mishaps that occur effect him, so he get a choice in the matter.
the pains of being under 25</TD></TR></TABLE>

I'm guessing that you have never been on a road course before, correct?

If that's so then you will have to listen to the instructor that is placed in your car by the event organizers. If the instructor feels that your either a pro or a retard he is going to stay with you until he is comfortable to let you go out by yourself. So as for your comment "im gonna run it for what its worth" I don't think it's even wise to think that way. let alone try it.

 

Interesting read.

http://itrca.com/forums/viewto...00d6a

Insurance company DROPPED HIM because he ASKED about HPDE/Expo!

 

<TABLE WIDTH="90%" CELLSPACING=0 CELLPADDING=0 ALIGN=CENTER><TR><TD>Quote, originally posted by BDBGoalie1982 &raquo;</TD></TR><TR><TD CLASS="quote">Well, i know once i get on the track, im gonna run it for what its worth. But the cr is in dad's name, so any mishaps that occur effect him, so he get a choice in the matter.
the pains of being under 25</TD></TR></TABLE>

What Rob said. Stay within your limits and the car's limits. It's hard to hear, harder to do, but have one good scare and it'll be easier to remember. Hopefully you get a free scare and not an expensive one.
Mine was inbetween (damaged new ITR sheetmetal from bumper to bumper on passenger side, never fixed )

 

That's some real BS there...
Just dropping a person cause of a question.

 

<TABLE WIDTH="90%" CELLSPACING=0 CELLPADDING=0 ALIGN=CENTER><TR><TD>Quote, originally posted by Chris F &raquo;</TD></TR><TR><TD CLASS="quote">Stay within your limits and the car's limits.</TD></TR></TABLE>

I don't attend a HPDE planning to hit anything. **** happens... but if you keep your head and listen to your instructor... everything will be ok.

 

I know two people whose cars have been repaired under State Farm policies after incidents in HPDS/HPDE.

However, more and more companies are going out of the way to write their policies while mentioning phrases like, public roads and within normally legally defined speeds and phrases like that.

In the event of an off-course excursion resulting in damage, the driver is responsible for any damage to the car and also possibly any damage to the track, terrain and barriers.

In the event of a vehicle-to-vehicle incident, the drivers/owners of each vehicle are responsible for their respective repairs, but neither driver/owner would be responsible for repairs to the other vehicle.

In unusual circumstances, however, marshalls could decide that gross negligence or inappropriate behaviour on the part of one driver has led to an incident. In this very rare case, the marshalls could decide that the driver of one car could be responsible to the extent that he should pay for all damages, and if he cannot or will not, then that driver could be banned from future events and the injured parties could use the testimony of the marshalls in a civil tort action of recovery.

In the event of grossly inappropriate and actionable behaviour that led to an incident, marshalls could cause penalties to be levied, which penalties could involve a ban from the track or a general prohibition against a grossly offensive driver's ever attending the sanctioning body's events in the future, either permanently or for a specific period.

The owners of the race course will also require proof that the sanctioning body has a brolly liability policy that covers a judgment of gross negligence on the part of the sanctioning body and individuals involved with running the event. Even though everyone signs a waiver when entering the track, in a common law=common sense state like Virginia, your waiver might not matter if a judge decides that the marshalls should have realised that a situation was going to lead to injury or vehicle damage.

All aspects of insurance coverage are a very big bite out of the event budget, and unless everyone manages insurance and liability carefully, insurance costs could drive even huge bodies like the SCCA and NASA right out of business.

This is why a NASA official will walk right up to you and take a stopwatch out of your hand if he sees you timing an HPDE session.

 

<TABLE WIDTH="90%" CELLSPACING=0 CELLPADDING=0 ALIGN=CENTER><TR><TD>Quote, originally posted by totsie7944 &raquo;</TD></TR><TR><TD CLASS="quote">

Also, if you get in an accident while racing, just lie to them....</TD></TR></TABLE>

That's called insurance fraud. Go ahead and lie if you feel like going to prison for a few years.