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Insurance and Track Question

Old 01-25-2019, 11:29 AM
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Originally Posted by blueosprey90 View Post
Most importantly for my purposes, it does not cover the car for "hydraulic bouncing competitions" "stereo thumping competitions" (not that I know what these are) or tractor pulling type competitions. Drifting isn't mentioned..
This made me genuinely laugh

Originally Posted by blueosprey90 View Post
Oh, on another note: My humble advice to those of you owning less than $500,000 in uninsured / underinsured motorist coverage (assuming you can get it in your state). Bump up your coverage to the max possible! Nobody has adequate liability insurance these days. Millions of people are driving around without insurance or with only the absolute minimum coverage to get a license or register their car. Without your own uninsured/underinsured insurance coverage, you will be left hanging if one of these people injures you in a crash
Could not agree with this more, get your policy as high as possible, it really doesn't affect the premium much at all!

Thanks again for all the input here and on my track thread!
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Old 02-01-2019, 02:34 PM
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One thing not pointed out: most life insurance and accidental death and dismemberment policies will probably not cover track accidents. They often have a long list of exclusions and often will not write individual polices at all if the individual engages in activities they consider dangerous. I was asked if I engaged in motorsports, flew in non-commercial planes, did skydiving, etc.
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Old 02-06-2019, 07:36 AM
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Hagerty is throwing their own track day for members at Thunderhill in a few months!
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Old 02-07-2019, 03:50 AM
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I guess I am lucky my agent is a fellow PCA member/instructor. I have an agreed value on my S2k and my 997. I am covered if something happens on the track, provided it is not a timed event. My isurance for those two cars is ridiculously cheap compared to our other two cars.

Now that said we just had two at fault accidents in the past couple of months (zero accidents 14 yrs prior, just bad luck). I may have to think long and hard if I would make a claim if something were to happen on the track.
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