Mike, maybe it's different on the left coast. I mainly go to HPDE's like Mazda Club, BMW and Mercedes. They'll toss you if you try to time your laps because their insurance for the event specifically forbids timing equipment. Their insurance equates "timing" with "competition". I can actually see their point too.

It's kind of a joke though that HPDE's aren't competitive. Sure, in the noob levels, the instructors keep things under control but, in the higher levels, it's all about not getting passed and getting the pass from someone else. Competition at the ego level.

Yeah, not crashing is the ideal.

 

My insurance policy says:


----------------------------------------------------------------------------------
Exclusions -- What is not covered:
These coverages don't apply to:

...

(11) property damage arising out of the participation in any prearranged, organized, or spontaneous:

a) racing contest;
b) speed contest; or
c) use of an auto at a track of course designed or used for racing or high performance driving, or in practice or preparation for any contest or use of this type

----------------------------------------------------------------------------------

I'm not a lawyer, but doesn't the above exclusion statement only refer to property damage coverage, but not collision covering?

 

Simple bottom line - you need to read all of the fine print in your own insurance policy. The collective opinions of those of us reading/participating in these forums will not change the specifics of the policy you bought for your car.

I will readily confess that the legal language is a truely boring read, but the potential costs of not understanding the consequences makes it highly worthwhile.....

 

Truth is ... I've read through all the fine print and this is the only exclusion that I saw is relevant. Perhaps I should consult a lawyer to see if I'm reading this properly ...

In any event, besides American Collector's Insurance, is there any other companies that offer track insurance? I see American Collector's Insurance every where in the internet and on this forum, but haven't found another name ...

 

Sadly the only thing you can count on for sure is that the insurance companies spent almost endless hours with their highly paid lawyers crafting the verbiage in those policies so they could make sure they didn't have to pay a dime more than might ever be necessary.

Doesn't make it an easy task for us to understand the fine print at all....

FWIW I have most certainly gone over the fine print in my own policy quite carefully and while I know they would cover me in the event of an accident out on the track, I see no reason at all to assume that they would retain me as a customer after they paid the claim.

Insurance companies are not in the business of making the customers happy in the long run - only their stockholders.

 

Actually, some companies do take the point of view that if they consistantly make their customers unhappy, soon they will no longer be burdened by having any customers....

 

Sigh - I only wish all of them felt the same way......

The best thing we can do is seek out those who are willing to honor their customers.

 

Sighs ... if there is a simple track insurance policy that I could get (that's not ridiculously expensive), then I would just get it and sleep well ...

 

And you would have company in seeking that peaceful night's sleep.....

 

Here is one that I found which might be worth looking into.

http://www.laurelde.com/

I do not have any experiences with them nor am I in anyway affiliated.