I just spoke with my auto insurance agent (State Farm). She told me that "racing or any speed contest" is NOT covered under my policy. Fine.

Then I asked her about Driving Training, where you take your car to the local raceway. You have an instructor in your car at all times, passing is not permitted (except under extremely controled circumstances on the straigh away), and the driving time is AFTER a full in class session.

Racing is not allowed, all situations are controled and supervised by professionals. Still no dice.

If something happened to my car at one of these events, would I have a case against the claims agent??

Does anyone know of any special rider policies that you can add to protect you during track times?? (State Farm has nothing for this)


- Relson

 

Relson,

don't believe your agent.

Here are a couple of earlier threads on this subject:

http://www.s2000online.com/forums/showthre...p?threadid=4836

http://www.s2000online.com/forums/showthre...p?threadid=8765

And here's what I had to say:

When I asked my insurance agent if I would be covered for a 'driver education event' at a private facility, her knee jerk reaction was "no way!, no one ever drives 100MPH, you'd never be covered!" I asked politely to point out the specific language in my policy that said that, and she said that she'd have to talk to the corporate insurance company guys.

A few hours later she called back to say "no way! I'm sure you wouldn't be covered!" and I asked again for the specific language. She couldn't provide it, so I asked for the name and number of the right person at the corporate offices to talk to, which she gave me.

I called them, and got a completely different story! They said that the policy won't cover medical claims arising during "a demonstration of speed" or "preparing for or participating in a contest of speed". Everything else is covered. So basically, I would have to use my own medical insurance if I was injured during a race, but my vehicle would be covered no matter what. When I described the track day that I was planning to attend, she said "yes, you would be fully covered; there's no contest of speed because there's no timing of laps."

Anyway, I'm not trying to convince anyone that they are covered at the track, but don't take an agent's word that you're not covered either. Make sure that you see the specific clause in your policy that would deny coverage. You may have to talk to someone higher up than your agent. If you really want to be sure, you may need to have a lawyer look at your policy.

Ted

By the way, my policy is with State Farm.

 

Hmmm I guess I can use that advice as a reminder when I'm on track ..... to take it easy!