I'm taking the advice of many on this forum and I've signed up for driving instruction at Summit Point Raceway. It sounds like a lot of fun. I get 4 20 minute sessions in my car on the track. And then time on a skid pad.
But, since it's my car, what about insurance? It can be called a driving class, and if sold right to the insurance company it may even be considered a good thing.

What have others done? Is there any reason I wouldn't be coverer by a standard auto policy? If so are there single day insurance companies for this sort of thing?

 

If you total it at the track, you're insurance will probably cover it. It did my Type-R. I'm unclear what happens if someone hits you at the track or you hit them. You have to make it clear to them that it was driver training.

Which track are you running? Main or Shenandoah? Probably main. Make sure you have the right tires, the alignment's good and your tire pressures are correct. You're going to be out there on the 7th? I'd like to but, I'm doing the mazda event the 8th and 9th.

 

Rather than risk a full loss, you should call your insurance company. Policies for different companies are different from each other AND can vary from region to region as well.

In my area, State Farm will cover a car at a Driver's education event as long as there is no timing or scoring. Allstate and Geico specifically will NOT. Again, this is the experience IN MY AREA. In YOUR area it is probably different and is absolutly worth a phone call to find out for sure.

 

You really need to read your policy. Some cover it and others don't, so the fine print is key. I have seen them cover it (unwilling and the fought tooth and nail), where others have it written in their policies to exclude anything not on a public road.

So keep in mind that you will be in a controlled enviroment, with an instructor that should help control what you are doing. Having lost control myself on the track, it is something to learn from and there was no damage to the car other than the dirt/dead grass that needed to be cleaned up.

 

I'd love to know.

 

Then get YOUR insurance policy out and read it.

 

Every insurance company is different, and every state is different. There are stories of some insurance companies dropping customers just because they ASK about it; on the other hand, my car was completely covered for $26K in repairs and the insurance company knew exactly where and how it happened.

It all has to do with your own individual situation.

 

When are you going to summit? I assume you are doing a FATT (friday at the track).

When I asked my insurance agent about it, he said that I would mostly likely be covered but would be dropped right after.

 

Fortunately, this is very rare, much more so than single-car accidents on the track.

The rule in racing is generally that everybody is responsible for what they bring onto the track, sort of a "no fault" type of scenario. But that's racing, and this is HPDE.

Each individual situation is going to be different. But in principle you should be prepared to totally eat the entire value of your car, and figure that anything you get in terms of coverage and/or compensation from somebody else is a bonus.

 

I'm going on the 15th of September, and will call Geico first. Though it sounds like I'm out of luck. Does any know of a short term company? I'm certainly willing to pay a couple hundred extra just to know I'll be safe.