Hey Art: Track Day insurance?
Hey Art, what's the deal with insurance coverage for track days? There's a rumor floating about that as long as the event is a "driving school" and not a "competition" that some ins. companies will cover an on track incident?
Any truth to this? And regardless, we're covered for liability on track, right? |
just get off the track before you place your claim and say it happened in the parking lot :lol: :lol:
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There is some truth to that. As long as you are not participating in a designated 'race event' then the insurance company will cover you.
I'll go fetch the exact wording for this exception. |
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It could happen.... if you were a chick on her cell phone.
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no no... not Durango dammit... H2!!! Soccer mom of the future... one of these days she is probably going to try and jump a statue!
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Unless there's insurance coverage the only way I could get paid for the damage would be to take it out of his hide in the parking lot. |
I am having our claims department fax me over the exact wording concerning this issue. So that may be a few hours :lol:
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NIce I am going to want this if we can get it.
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Well, so far I got this from one of our claims offices -
Per Anthony @ 2:15 PM on 2/2/2004 from Las Vegas Claims Department: He said that it states nowhere in the policy that you cannot participate in a racing event. Per page 2 in the policy titled 'When and Where The Policy Applies', we are covered even if a sanctioned racing event or even a 'pratice' event. As stated - "Your policy applies only during the policy period. During this time, it applies to losses to the auto, accidents and occurrences within the United States of America, its territories or possessions or Canada, or between their ports. This policy period is shown on the Policy Declarations" He said because of this clause and the fact that racing is not mentioned anywhere else in the policy, your car would be covered on the track for all occurences because it is located in the United States as stated above. I am double checking everything because I would hate to go on one persons thoughts. I have a call into our southwest division claims office manager to give me the final word. |
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Sounds too good to be true! |
That's interesting. So in 5 years when my car is gutted, has a rollcage, slicks & a race motor in it the insurance will cover my loss when a bonehead punts me into the wall in T-6 at Seca? :lol:
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Well, first your car has to be street-legal. I don't know if what you are planning on doing to the 'Stang will still allow it to be street-legal. your insurance company will sure as heck not insure a non-street legal vehicle.
Scott, it does seem to good to be true. That why I am getting the final word from the Manager at the Southwest claims office. I am quoting that claims rep (Anthony), but not going to live by it yet. I will double check for sure. But so far, as long as something is not excluded, then it is included. and I cannot find a single thing about racing in the policy. |
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I think i understand what you're saying, but with that said, neither are parking lots and private roads, and they're covered, |
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And I know for sure you are covered on any private road. So, if you get slamed into in a Wal-Mart parking lot, you aren't insured? Yes you are. Thankfully. |
and if your sue happy you could go after Wal-Mart for not having a trafic addtendant to make sure everyone was safe in there parking lot sence it would be there liability right?
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You can sue for anything nowadays. But I don't think its Wal-Marts Liabilty to make sure people drive safe as long as they have there stop signs in the right spots and stuff. But who knows?!?
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I'm guessing Wal-Mart has mean ass lawyers. Plus they have more money than god and could keep you in courts forever as the old saying goes...
You better hope your case is cut and dry, if you were to sue WALLSMART. |
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