I pretty much gave up on finding one that doesn't have the language since all the major companies in Ohio have it new. This year I went with a surplus, stand alone, HPDE policy (American Collectors) but guess what.... they are not going to continue them. Not enough people got them, so it wasn't cost effective for them.
Not sure what I'm going to do for 2007.

 

Farmers has never had that language in California, not sure about Ohio/other states. I would expect to see this language crop into every policy eventually. I think the Internet has made track days more accessible to more people.

 

Farmers does not have this language, yet, in Washington. HPDE is still covered.

It's only a matter of time.

 

Funny you should mention Deer. A Caprice going about 80-90 hit a Deer at turn 4 on Summit main last Friday. Grand or two damage to the car, deer guts everywhere. There were several yellow flags after that for deer crossings.

Rental 350Z rolled off turn 10. Wonder who's insurance has to cover that?

 

Good question. Probably worth paying for the CDI on a rental if you are going to the track, but read it first. Probably it has an exclusion for anything "off public roads".

 

Deer Damage. 110 mph Boxster vs. deer at Roebling Road. The deer was thrown about 20 feet into the air.


Wall Damage. I moved a Jersey barrier about 6" with my first S2000. Insurance paid and now I have a 2003 S2000. I now use a Miata on the track.


The moral of the story: Don't push hard on the track if you can't afford (monetarily & emotionally ) to push it off a cliff and walk away.

 

I hope the insurance company didn't try to pass the buck...

 

IMHO, if you cannot afford to wreck your street car on the track and fix it yourself then maybe you should reconsider taking your street car on the track.

Just MHO.

 

Nope, they paid ... and it was a doe anyway

 

doh!