That explains a lot.

I'm not the one asking what my policy covers. You are. Me telling you the contents of my policy if is no use to you. You aren't covered on my policy.

PS I hope you get a better night's sleep tonight and more coffee tomorrow morning.

 

The extended possession of the car by the insurance company is akin to hostage taking. They are using the threat of fraud and extended examination (confiscation) to get you to either admit to doing it at the track (which I do believe didn't happen), or to put screws to you to get you to mitigate any payout.
Lawsuits to them aren't even a nuisance as their lawyers all work for them.
I'm so sorry you've been sent down this path.
If we do have tort reform, it should be simple. Loser pays all attorney fees. It would make things like this less likely.
Good luck to you sir.

 

The poster hasn't been down any path. This is all about a friend of his. Since we're not corresponding with the principal party there is no doubt we're missing much information.

I guess I should drag out my USAA insurance policy. I'd think there'd be an exclusion regarding racing in there somewhere. Not that I'm considering it other than around some orange cones.

-- Chuck

 

Gofast182 started a new thread -- for unknown reasons -- rather than tagging on the original thread where all the detail by the guy who actually had the wreck is posted.

Hence the confusion. At least on my part.

-- Chuck

 

I'm sure there are as many negative reviews for every insurance company. I personally switched to Esurance after Geico sent me a lovely letter cancelling my S2000's policy for no reason (0 claims, no accidents, no new tickets).

 

That same link is in gofast182's original post. You just happened to not see it.

 

It was there for for sure.

Hidden at the bottom where many put -- and I took it for -- unrelated links.

-- Chuck

 

Yes it is a friend of mine but I was with him before the HPDE, at the HPDE, and the day after when he left our company to go home. The only side of the story missing is esurance's side. If you follow the link to Nibble's thread in Metro you can see it in his own words and perhaps correspond with him.

I'm sure there is some exclusion about "racing". This was HPDE, though, where the risks to the property are much lower due to the controlled format. Also given that the failure didn't happen on the track I'd imagine it tough to prove that had anything to do with it on a 14 y/o car.

 

Might be The help he needs...

http://www.state.nj.us/dobi/division_insurance/

If they are as good as the insurance commission here in Florida, and he has a legitimate beef, they will get things moving.

I hit a coyote going east towards Roswell NM. After the initial repairs we had a disagreement concerning "prior damage" and repair or replacement of my Amuse exhaust. The insurance company had become unresponsive to phonecalls and email. Within one week of contact I had a check for a new exhaust and a Volk CE28.

 

Canceled my Esurance policy today. This story certainly helped, but it wasn't the overarching reason for cancellation.