I found this where this ...

http://www.racersden.net/forum/showt...7&page=1&pp=20



My plate is comming off next time arround

 

I'm gonna put tape over it... That should be an easy fix.

 

ok, I understand thier need to keep premiums low for everyone, but I didn't think that insurance would even cover track racing problems... seriously, at least the guy wasn't racing down a street where he could seriously hurt other people and himself more easily

 

I don't understand this at all. So if we try to be safe and run at a closed course, knowing that our insurance company will not cover any damage done to the car while on that closed course, then we can be penalized? I wonder if the situation would be any different if the car is owned outright, with no leinholder/

That's just the type of junk that could make people say screw it, I'm going to get penalized one way of the other, I might as well not even bother with a track and go tear up the streets.

Not that I would do that, but still. I really think that insurance companies need to be burnt on this.

 

if you wreck your car at the track, I don't think insurance company has any responsibility to cover you, because you raced while knowing the risk involved in it.

Besides, when you drag race and wreck, how are you gonna cover that up? Tow it and put it next to a tree somewhere?

 

there have been many discussions about this all over. from what i gather, you good as long as it is not a timed event. i.e. you can take your car to the track and do a drivers education event, and if you crash your insurance will cover you. but if your racing on that same track for time, then no they wont cover you. i'm sure it is different for every insurance company and most likely even between states.

also, how are they going to know what insurance company you have based off your license plate? my porsche is owned by me (no lienholder), and i am certain that the insurance company doesn't know my plate number. with my evo, the dealer was the one who gave me the plate.

 

hmmmmm.. Is it a different situation for drag racing? AutoX?

 

Kevin,

Remember that your car is registered every year. What information do they have on that hymm.. Tag,VIN,Address,thats enough to get you and it can all be looked up through your Tag #. How do you think that the police do it when they run your tag #.. I was driving someone elses car and was pulled over they gave me a hard time because the car was not registered to me and I did not know where the registration was. they pulled up that persons name and all.

Derek

 

you know the insurance company has DMV info , right? heh

 

It might be different on your car that is payed off..???? Not sure though.


Derek

 

So what other companies are doing this? So far I've just heard Geico...

 

Very true MIFESTO


DEREK

 

"if you wreck your car at the track, I don't think insurance company has any responsibility to cover you, because you raced while knowing the risk involved in it.

Besides, when you drag race and wreck, how are you gonna cover that up? Tow it and put it next to a tree somewhere."

i imagine you are more likely to wreck at a timed track event in comparison to driving to work, but there are hundreds of ways to increase your risk level of getting into an accident. it's dangerous driving in the mountains in a blizzard, but you don't get dropped for doing that. you drove knowing the risk. as you do when you speed, drive in the rain, drive in the snow, drive on the highway etc. girls get in accidents while putting on make up. i think that is less responsible then running a quarter mile. and if you get wrecked at the track, at least you most likely didn't hit multiple cars like you would in a regular accident. no one should ever defend an insurance company, they make plenty off of us. did you know over 90 percent of money colected on life insurance policies is never paid out. Zurich Ins makes 12 billion in profit a year. i don't think they need to cut corners. plus this kid didnt wreck they are just dropping him b/c he took the risk. this is just one of the many loop holes insurances companies use. if driving fast and dangerously cancels your ins. then no true evo driver should ever have coverage

 

hmm i need to get insurance as i dont have any and need to have it as i dont own my car yet, and geico is the cheapest so far, now this just makes me think since i have taken mine to the track already

 

It depends what you are doing at the track. If you are actually racing, or you are using timing equipment, your insurance co. won't cover you.

I was at the Buttonwillow Raceway Performance Driving Clinic, where I had an instructor, and there was no racing or timing equipment. I totalled my 350Z by putting it into the pit wall. The instructor was not in the car at the time. I told my insurance co. the truth. They called Buttonwillow Raceway and talked to the track director.

I got full payment for the market value of the car (more than I expected) from my insurance co.