I also know someone who wrecked a car at a "track day". It was a Porsche here at Road Atlanta...his insurance covered him with no hassles.

 

Saab9-3 -

For your situation, call your insurance agent and ask. I would never trust people's posts.......so when your insurance decides to not cover you... "but coral doc (Mikey or Cdelena) said it would be covered".

I am sure there are some policies that have covered some wrecks and there are also lots of bull-shitters who will claim anything just to try to win an arguement too. I would imagine a track event being "a demonstration of speed" which is not allowed with my policy. They may cover it once, then drop me/you......which means you then pay $5k a year to get some schmuck insurance company to cover you!

Just don't trust everything you read!! Goodluck....hopefully you will never need the insurance anyway!

Scot

 

Never said I wouldn't file a claim, never folded before the last card, just not convincing myself that God (and the insurance company) is on my side.

 

Confirm with your insurance company and get it in writing for the specific event on the specified days. If they're not willing to do that... what makes you think they'll cover it in case something DOES happen.

 

Basically, call your insurance agent. I've got Mercury Insurance. I called my broker and told them i would be attending an off street training session at a track and not racing. They reviewed my policy and stated that i would be covered. But, YOU should always contact YOUR company to find out. It's one of those things you sure as hell don't want to be wrong about later if you're a working man.

 

I agree badm0j0.

The best thing to do is to call your insurance agent and ask that they provide you with something in writing.

I did this last year prior to attending a performance driving class and it was comforting to know that, if I had a very bad day at school, I was covered.

 

Autocross is just precision driving in a parking lot. The risk of an accident is low, and when it happens, insurance should cover it. There is a big difference between this and wheel-to-wheel racing. Running laps on a private road has a higher risk of an accident, but may also be covered.

 

I did exactly that, and my agent (farmer's) said that in most likelyhood, I would NOT be covered if the event was held on a racetrack. He said it wasn't up to him (obviously), but in reading the fine print, which was the same as JackTs2k's, he felt they would deny any claim from a "track day", regardless of the presence of instructors, no passing rules, and no timing. Of course if anything happens, I'll be filing regardless...

-David

 

here's a good read for all interested....

http://www.nsxprime.com/FAQ/ownership/insurance.htm

 

[QUOTE]Originally posted by JackTs2K
[B]
It doesn't.