Now I don't feel so good about passing you Tim...you let me by

 

My state farm agent confirmed that in NC my regular auto policy does cover hpde events. He put it In writing as well following his discussion with state farm to confirm coverage on my behalf. said something about it being an NC only thing.

 

In Texas, I sat with a Farmers adjuster. At a DE. He claimed that Farmers policy will cover the car as long it is not for a trophy or prize. I have always thought he was knowledgeable and kept Farmers. Now I'm wondering. Anyone else have Farmers and asked them?

 

State Farm does. Looking over my policy again and talked to my agent a week or so ago as my policy just renewed and as long as the event is not timed..ie racing they do not say anything about not covering DE's....my agent is calling the underwritters again just to be sure nothing has changed.

I've gotten WSIB in the past just to be sure.

 

Who is your agent, if the answer is yes they cover de's i will switch tomorrow

Drums, are you doing chin sebring this weekend?

 

I'm not trying to be argumentative but according my agent there is but one (1) automotive policy for State Farm nationwide (and I suspect the same for other large insurance companies). It may vary to take into account state mandated limits of coverage for uninsured motorists and the like, but fundamentally its principle tenets don't vary across state lines. I doubt whether (m)any states have passed insurance legislation mandating DE and track event coverage (but I could be wrong, I suppose).

Also, my agent pointed out that it is not an agent that is responsible for approving claims despite the impression some may convey. That is the job of the claims department and they will deny any claim that falls outside the approved coverages/limits. Your agent does not, will not and cannot approve your claim anymore than the guy that sold you your Porsche can approve factory warranty work, nor can they unilaterally alter coverages without approval from corporate underwriting.

Bottom line, get a copy of your automotive policy that is currently in effect (which could be different from the one from ten years ago), read it and understand it. The time to be surprised by insurance coverage, or the lack thereof, is before you need it; not after an incident has occurred. I had to order a copy of mine yesterday which SF will mail (and I've been with them for 30+ years and never had one). If I had it, I would cite chapter and verse regarding lack of track coverage since it seemed pretty straightforward when they read those parts to me yesterday. Peace.

 

^^Actually, what you say is true, but wrong. When an agent makes a determination of a claim, their failure to have knowledge is their problem. The problem then would fall under a claim on their Errors & Omissions policy should the adjuster deny the driving claim.

 

Yes Chin on Saturday only.

Mike Maher in Palm Harbor (Tampa/Clearwater area) State Farm.