What happens if you crash your car at an event?
#46
08-19-2008, 04:12 PM
Most cell phones do not work at Lime Rock, singular? I know a bit about crashing there.
Driving 8/10s only works if you have a good idea what 10/10s is. Autocross will help you there if your club has access to an old military airfield, like we do at Fort Devens. I know from experience that driving at 6/10s (stuck in a train) and finding a stripe of oil on the track can ruin your day. Did not ruin mine but I had front row for three cars in front of me going for the agricultural experience. Get a Miata and run worry free. They are well known as bullit proof momentum cars, and you can get a full race spec Miata really cheap.
Driving 8/10s only works if you have a good idea what 10/10s is. Autocross will help you there if your club has access to an old military airfield, like we do at Fort Devens. I know from experience that driving at 6/10s (stuck in a train) and finding a stripe of oil on the track can ruin your day. Did not ruin mine but I had front row for three cars in front of me going for the agricultural experience. Get a Miata and run worry free. They are well known as bullit proof momentum cars, and you can get a full race spec Miata really cheap.
#48
08-26-2008, 02:59 PM
just got this in email. HPDE insurance program for some clubs.
https://hpdeins.locktonaffinity.com/...e.aspx?pID=137
https://hpdeins.locktonaffinity.com/...e.aspx?pID=137
#51
08-31-2008, 09:39 AM
While the trend to exclude coverage for DE/AX events is growing, in my experience most insurance companies have NOT changed the standard racing exclusion to cover those events. I'm an insurance broker, so I pay close attention to these clauses in my policy. READ YOURS. The applicable exclusion under my own Safeco policy states (this is for both liability and physical damage - comp/collision):
Excluded - Loss to your covered auto or any non-owned auto, located inside a facility designed for racing, for the purpose of:
a. competing in; or
b. practicing or preparing for;
any prearranged or organized racing or speed contest.
This is the same language used in the standard ISO Personal Auto Policy (edition 01 05). Not all companies use the standard language, so consult your policy for confirmation. Quality carriers such as Hartford, Traveler's, Safeco, Fireman's Fund, Chubb and most AIG policies will use similar language. I have not been able to find any standard endorsement that expands on this exclusion. It is possible that certain carriers or states may have manuscript or proprietary endorsements that further restrict coverage.
Therefore, I consider myself to be fully insured for both DE & AX. Here is why:
DE - the vehicle is inside a 'facility designed for racing,' but the purpose is not a contest nor is there a competition.
AX - While this is a competition, it is NOT inside a facility designed for racing (usually). A note here -- if you are doing an autocross held on a race track or maybe even on the parking lot for a race track, coverage could be questionable.
I personally feel quite comfortable expecting coverage for anything that is not a competitive DE event (especially when considered as drivers ed) and any auto-cross held on a non-race track facility parking lot. I tell my customers the same thing.
Excluded - Loss to your covered auto or any non-owned auto, located inside a facility designed for racing, for the purpose of:
a. competing in; or
b. practicing or preparing for;
any prearranged or organized racing or speed contest.
This is the same language used in the standard ISO Personal Auto Policy (edition 01 05). Not all companies use the standard language, so consult your policy for confirmation. Quality carriers such as Hartford, Traveler's, Safeco, Fireman's Fund, Chubb and most AIG policies will use similar language. I have not been able to find any standard endorsement that expands on this exclusion. It is possible that certain carriers or states may have manuscript or proprietary endorsements that further restrict coverage.
Therefore, I consider myself to be fully insured for both DE & AX. Here is why:
DE - the vehicle is inside a 'facility designed for racing,' but the purpose is not a contest nor is there a competition.
AX - While this is a competition, it is NOT inside a facility designed for racing (usually). A note here -- if you are doing an autocross held on a race track or maybe even on the parking lot for a race track, coverage could be questionable.
I personally feel quite comfortable expecting coverage for anything that is not a competitive DE event (especially when considered as drivers ed) and any auto-cross held on a non-race track facility parking lot. I tell my customers the same thing.
Excludes coverage for, "loss to your covered auto located inside a facility designed for racing, for the purpose of: a)competing in; or b) practicing or preparing for; any prearranged or organized racing or speed contest". So it seems drivers ed or high performance driving events are covered (no official race or timed contest technically)?? And there is no mention of normal speed limits or testing in the policy.
Now conversely, I think I'm screwed with my Hagerty policy (currently covering my 996TT). Within it states: "We do not provide coverage for any insured...b) Using your covered auto at a: 1) racing facility; or 2) facility or roadway temporarily designated for speed, time, racing, or performance driving events. This includes, but is not limited to, the use of your covered auto at a performance or racing driving school, a rally in excess of the legal speed, or a closed road rally." Damn!
I think I have to put the 996 on the AIG, although Hagerty is much cheaper.
#52
09-09-2008, 11:19 AM
AIG uses standard policy forms, so they should be OK. Hagerty is a specialist and clearly uses their own language. If you track the 996TT, you should definitely move it to AIG or similar worded policy.
While this discussion has centered on coverage for damange to our own car, the bigger exposure is in liability to another party if we cause them damage or injury. I saw a claim for an autoX where a car slid off track and into the parking area. It damaged several cars and caused a few injuries. The liability language in the policy usually mirrors the physical damage section.
While this discussion has centered on coverage for damange to our own car, the bigger exposure is in liability to another party if we cause them damage or injury. I saw a claim for an autoX where a car slid off track and into the parking area. It damaged several cars and caused a few injuries. The liability language in the policy usually mirrors the physical damage section.
#53
06-03-2011, 11:56 AM
i put my car into the inside wall at turn 7 at Road ATL a couple years ago. it was my first DE event...and it was raining...and it was the last lap of the day...and the instructor had just gotten out of the car. b/c of that little incident and my lack of track insurance at the time, the only thing hurt worse than my ego was my bank account: $8k
i've autox'd but haven't done another DE event since that first one...until tomorrow where i'll be going back to Road ATL, but this time in my new 996TT and with track insurance and deflated sense of invincibility.
i don't really know anything about DE except this: crashing is a very real possibility. unless you have a disposable car, you should seriously consider the insurance. and if you can't afford the insurance (or a new car), you should seriously consider a different activity/sport. just my $0.02.
i've autox'd but haven't done another DE event since that first one...until tomorrow where i'll be going back to Road ATL, but this time in my new 996TT and with track insurance and deflated sense of invincibility.
i don't really know anything about DE except this: crashing is a very real possibility. unless you have a disposable car, you should seriously consider the insurance. and if you can't afford the insurance (or a new car), you should seriously consider a different activity/sport. just my $0.02.
#54
06-03-2011, 12:47 PM
Former Vendor
without reading the entire thread I have a buddy who races (raced) his 2005 mustang and had track coverage, crashed the car (totaled it) and got full reimbursed. He said he had HPDE insurance policy
the thread can be seen here:
http://www.tristatetuners.com/forum/...t=84064&page=6
the thread can be seen here:
http://www.tristatetuners.com/forum/...t=84064&page=6
#55
07-05-2011, 06:53 AM
without reading the entire thread I have a buddy who races (raced) his 2005 mustang and had track coverage, crashed the car (totaled it) and got full reimbursed. He said he had HPDE insurance policy
the thread can be seen here:
http://www.tristatetuners.com/forum/...t=84064&page=6
the thread can be seen here:
http://www.tristatetuners.com/forum/...t=84064&page=6
Looks like he didnt have to go though too much hassle with the insurance company which is nice to know.
#57
07-24-2011, 12:08 PM
called my insurance co
Called my insurance company, told me that i would be covered once for a accident at the track. Then they would drop me or not cover any other accidents at the track. I have AIS insurance
