I always wondered this and maybe you guys have an answer...


Let's say you total the car on the track, does insurance cover it?

I saw a kid wreck a brand new WRX when they first came out on a run at Seekonk speedway and always wondered if he had to foot the bill.

 

My insurance company says your not covered for off road accidents and a track is considered off road

 

Wow, that is a hell of a chance to take with a valuable car.

Life is full of chances though I guess.

 

Not the scary stuff Doug, you guys do get more wheel to wheel in instructor sessions which in all cases for me so far has just been fun. You know I would cry to see any S get hurt.

 

I don't have a definitive answer because it varies by policy and company... SCDA heavily stresses NON competitive, no timing, and no racing. Their events are strictly driver education.

I have not been brave enough to contact my insurance company and ask about this but I will be splitting my two vehicles off to a new policy soon and will make it a point to ask about it then.

And yes it is a chance to take with a valuable car and why you don't always go quite as fast as you might be able to, it's always good to leave yourself a margin of error.

Most turns have a decent run off area but there are a few where you are looking at walls and you need to have alot of respect for those walls

My #1 priority on track is not speed or even driving the correct line, it's Don't hit anything

 

If anyone wants to track there car I would suggest the jingle to the insurance company before taking it on the track.

 

This is the answer.

And when it comes t buying insurance, the old moral is true, buyer beware.

The key, and I do mean THE KEY in insurance speak is "a timed event". I do not get involved in timed events other than autox events, and I can afford what might go wrong at an autox. For the track though, I'm an educated consumer, that is, as a buyer I'm aware.

 

This sounds strangely vauge, and I would not have insurance with that company if that is their definition, I can only hope it is more specific than what you say here.

According to that terminology Dave, any good lawyer could have a field day with this accident, as the car is clearly "off road".

 

Nice wheels! Not so nice hood

 

Liberty Mutual Insurance

Driver education on track 100% covered!

Might go a little faster at NH next week