View Poll Results: HPDE student participant liability insurance – which applies to you at your next HPDE
1. Do not know if I have liability insurance for this HPDE but want liability insurance
13
26.00%
2. Do not know and do not care if I have liability insurance for this HPDE
3
6.00%
3. Will participate with no liability insurance - individual liability insurance is too expensive
10
20.00%
4. No liability insurance because I think the waiver every participant signs makes it unnecessary
3
6.00%
5. Blank
4
8.00%
6. $2 Million provided by the HPDE sponsor of this event who is not SCCA, NASA, NCCC or similar sanctioning body
2
4.00%
7. $2 Million purchased individually for this one time HPDE from a broker like K&K or WSIB
0
0%
8. $2 Million purchased individually for annual coverage from a broker like K&K or WSIB
2
4.00%
9. $2 Million purchased individually for this one time HPDE as an additional insured to the liability insurance policy of the owner of the track
0
0%
10. $2 Million provided as part of my membership in and participation in this HPDE sanctioned and operated by SCCA
0
0%
11. $2 Million provided as part of my membership in and participation in this HPDE sanctioned and operated by NASA.
3
6.00%
12. $2 Million provided as part of my membership in and participation in this HPDE’s sanctioned and operated by NCCC.
1
2.00%
13. $2 Million provided as part of my membership in and participation in the HPDE sanctioned and operated by a body similar to SCCA or NASA or NCCC.
1
2.00%
14. $2 Million provided for HPDE by the insurer of the business which I own.
0
0%
15. $2 Million provided for HPDE by the insurer of my home and / or auto.
0
0%
16. $2 Million provided for this one HPDE by an insurer other than those in 6. to 15. above…e.g. your employer
0
0%
17. Blank
0
0%
18. Blank
3
6.00%
19. $5 Million provided by the HPDE sponsor who is not SCCA, NASA, NCCC or similar sanctioning body
0
0%
20. $5 Million purchased individually for this one time HPDE from a broker like K&K or WSIB
0
0%
21. $5 Million purchased individually for annual coverage from a broker like K&K or WSIB
0
0%
22. $5 Million purchased individually for this one time HPDE as an additional insured to the liability insurance policy of the owner of the track
0
0%
23. $5 Million provided as part of my membership in and participation in this HPDE sanctioned by SCCA.
1
2.00%
24. $5 Million provided as part of my membership in and participation in this HPDE sanctioned by NASA.
1
2.00%
25. $5 Million provided as part of my membership in and participation in this HPDE sanctioned by NCCC.
2
4.00%
26. $5 Million provided as part of my membership in and participation in this HPDE sanctioned by a body other than SCCA or NASA or NCCC.
0
0%
27. $5 Million provided for this HPDE by the insurer of the business which I own.
1
2.00%
28. $5 Million provided for this HPDE by the insurer of my home and / or auto.
0
0%
29. $5 Million provided for this HPDE by an insurer other than those in 19. to 28. above…e.g. your employer
0
0%
Voters: 50. You may not vote on this poll
HPDE student participant liability insurance – which applies to you at your next HPDE
04-17-2008, 11:24 PM
#1
Pro
Thread Starter
HPDE student participant liability insurance – which applies to you at your next HPDE
HPDE student participant liability insurance – which applies to you at your next HPDE?
04-19-2008, 05:43 PM
#3
Team Owner
Member Since: Feb 2001
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Cruise-In III Veteran
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St. Jude '03-'04-'05-'06
I think we need some more poll options.....good grief.
You have a Cliff notes version?
You have a Cliff notes version?
04-19-2008, 07:27 PM
#5
Le Mans Master
Can you repeat the question, please?
04-20-2008, 10:50 PM
#8
Pro
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This makes no sense whatsoever. Most people do not have $2M or $5M liability insurance for their CAR. Some may have a $1M umbrella perhaps, but I am not sure where this is going
05-15-2008, 01:24 AM
#15
CF Senior Member
Member Since: Feb 2006
Location: Tucson Arizona
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I carry high personal liability with a umbrella but I think he was referring to the organization's coverage, if any.I run most often with Professional Auto Sports, a division of ASA Racing. In their un-timed levels my automobile insurance will cover my car while it's on the track (this is rare from what I understand). These are not officially timed on-track sessions but it can (and does) get quite competitive. Many excellent drivers stay in the un-timed levels specifically to maintain their own insurance coverage. Once you move into the 'pro' racing levels, you lose your insurance coverage while you're on the track.
Membership in the organization affords insurance coverage, as follows: "We protect our membership with $5 million in liability insurance. Our insurers are the well known St. Paul Liability Insurance Company and Lloyds of London. We have never had a liability claim, resulting in an excellent rating with our insurers.....Our ASA-Racing Competition License also carries with it an additional $500,000 in on-track accident and medical insurance."
This fall, in addition to Proautosports I plan on joining the Arizona Corvette Racers...they're quite competitive and run time trials. I will lose my own, personal insurance coverage when I run with this group. The Arizona Corvette Racers run mostly under NASA. I'm not sure what, if any, insurance is provided by NASA but I would assume they have some sort of liability coverage. As far as potential damage to the car, I'm prepared to accept the risk myself.
05-15-2008, 07:43 AM
#16
Team Owner
05-15-2008, 07:46 AM
#17
Team Owner
