If you try to claim an accident on track, your rates are probably going to increase significantly, and you're probably going to get dropped/not renewed the next time the insurance company gets a chance - plus be paying higher rates wherever you go. It's not that surprising that they are moving that up front. I am with SF and wouldn't drop them because of this.

Best insurance policy for track events is still having a cheap "disposable" track car. That or flubber

john

 

dough?

 

Well I don't know what's "probable", but when I *did* claim an accident on the track (with State Farm, actually), I was not cancelled. They did apply an accident surcharge, but no different than if I had had an accident on the street.

 

Same thing happened to another guy I know, whose left rear tire blew just at apex of T9 at Pacific Raceways. Boom, right into the Jersey barriers on track right. Brand new car totalled. Insurance company paid without a whimper. Rates increased when he replaced it with an identical car, but not cancelled.

Actually, a wreck at the track probably is quite preferable to a wreck on the public roads. It's more likely to be a one-car accident, and less likely to involve medical and/or litigation costs. In this case, the insurance company lost around $15,000 (carcass sold for a lot of money).

All this contributes to my now tracking a fully-race-prepared Miata, instead of my S2000.

 

After seeing this thread, I read my policy from State Farm (I'm in Michigan BTW). It says that same thing that yours does mikegarrison.

Next year when I turn 21 and will be forced to get my own insurance policy (currently I'm on my parents), probably the most important thing I will be looking for is whether or not HPDEs are covered or not.