I disagree since neither of us have hard data. But in my 6-7 years of tracking I have seen car to car contact maybe 3 times (not in racing, but HPDE). I've know of at least 10 people who've been hit by someone else in the same time on the street.

You are correct about the insurance, but my reply was to the dude who said

Car to car contact and/or near car to car contact are going to have a much higher chance of occurring on the road than they ever do on the track. Basing it on miles just skews it. You don't do 30k miles on a track a year. But day to day....

-Ry

 

No kidding - maybe HPDE policies could be a nice niche.

 

If I was an insurance company, and you took a car I was insuring to a race track. I would tell you to shove it.

 

I doubt anyone (insur. co.) has ever collected actual data to see how much the frequency of claims or cost per claim, including personal injury, for HPDE differs (if any?) statistically from city driving (even per mile driven), especially when stratified by risk groups. My guess is the same high risk groups on the street are the same high risk group at HPDE, etc.. E.g., a crazy twenty yr. old on the track is probably just as reckless, or more, on the street but put more people at risk of injury (incl. friends in the car). What's certain is that the percentage of the absolute amount insurance companies pay out for HPDE incidents vs. all others is infinitesimally small, the amount probably lost in the rounding of the figures for the total . So why be concerned about us? Probably cost them more to change and administer their new policies .

 

The problem is one of volume - if it exists it can be insured (believe me) - but you can get a risk insured in one of 2 ways - the first is to pay A LOT of money for someone willing to play on your odds. This is likely too expensive for most HPDE attendees to consider.

The second way, and how most risks are insured, is shear volume; the law of large numbers - if there are enough buyers and the value of the risk is relatively low then an affordable product exists. There are not enough of us for this option.

A good HPDE insurance option may be to insure liability only, the odds on losses to the cars themselves are much higher. Liability would be attractive to me, peace of mind in case I lose it at the wrong time and cause injury to others...

 

You could tell me that. But then I would refer you to the line in my policy that specifically states that I'm covered at a non-timed, non-competitive event. And then you would write me a check for any damage I incurred at said event.

In all honesty, if insurance companies (like mine) have a clause in their policy stating that "non-timed, non-competitive events" are covered, then I suspect they've run the numbers and verified that the risk for drivers at these events are as low (or lower) than drivers that do not participate in these events.

 

Thats what I would think...
HPDEs make safer drivers.

 

[QUOTE=krazik,Sep 15 2007, 02:56 PM] I disagree since neither of us have hard data.