I was thinking about going to a track day with my s2k, but Im concerned about insurance. If you wreck somehow, will your insurance still pay it since it is on a racetrack? I have heard people talk about how they wont track their car for "insurance reasons"- just wondering what these reasons are. Thanks

 

It doesn't. Quoting from my policy exclusions (Erie) "We do not cover an auto we insure while being used in any prearranged or organized racing, speed or demolition contest, stunting activity or similar activities, or in practice for such activities."

 

Your insurance should cover you if the event is not timed and you do not trailer the car to and from the track. Most driving courses and "track days" fit this description.

 

"You break it - you bought it"

 

[QUOTE]Originally posted by JackTs2K
[B]
It doesn't.

 

The bottom line to this is that the only interpretation that counts is the one made by your insurance carrier, not the one made by you and not the one made by me. Looking at my exclusion "...and similar activities.", the insurance company can easily make a case for not covering damage incurred while the driver was operating his/her car on a race track. What does your policy say under exclusions?

 

I have always considered the track my responsibility. There are people here (Cdelena and Mikey) who will say they are right, and their insurance covers them (once if at all).... but I still think you are on your own! Most of us run without instructors, so how the hell does that make it anything but a "track day"?

Common sense tells me "Friday at the track" is not a "safety / drivers education" class.... same with "S2000 track day".... or "seat time" or...... etc... etc... etc....

Argue it both ways.... call your agent and see for sure... You play...you pay is my opinion on it!

Scot

 

If your interpretation of your policy is that you are not covered, it makes no difference, don't even file a claim. Insurance companies love people that pay premiums and are afraid to claim.. reminds me of those that don't take all the tax deductions that they are entitled to because they assume they will lose any dispute.

I can read what is in my policy and know I am not racing at the track. I feel I am covered and have an attorney that will help me sell my interpretation if needed. I don't fight every battle, but I don't fold before I even know the details.

 

A guy with an SVT Contour flipped his silver SVT at an autocross type event. Totalled it. Insurance DID cover it and he didn't try covering it up (there's a vid of it somewhere, i can't find it right now). Just check your own policy and see what covers you.

 

I'm with cdelena on this one. Read your policy carefully and pay particular attention to how it classifies "racing". If you ask your insurance agent about the policy bear in mind that they are acting in good faith but aren't the final word about policy intent and may be conservative in their interpretation of what a "Driver's Education" day really is - excluding events that should be included. If you are concerned, ask an attorney familiar with insurance law to review your policy and see if the track events that you intend to participate in fit the policy's exclusions or not.

I find it interesting that the autocross incident mentioned above was covered. Autocrosses are certainly timed events with winners. So, it really comes down to your individual policy and how much the insurance company wants to work with you.