DOOKEY

How does OTI work? Does it only cover you? I'm only worried should I hit someone else.

spro2395

​​​​​​​Would the normal policy cove a problem at an autoX?

Adam Boca

Be sure to read your policy for anything that talks about times events, racing surface, racing, etc. 9 times out of 10 you will not be covered as most carriers have stiffened up their verbiage with regard to anything on-track.

Racingswh

I have had to use track insurance for a total loss. I would be happy to tell you about the entire experience via PM.

I am nearly 100% positive that in multi-car track accidents your track insurance DOES NOT cover the other cars involved.

DOOKEY

Thank you for the offer. I'm going to have to find someone else because I can't get the Ontrackinsurance place to return a phone call.

Racingswh

I have never used them. My claim was with Lockton.

spearfish25

I would agree. They make it clear that it's comprehensive coverage without liability coverage.

DOOKEY

So what is the normal "feel" around the race track? Let's say I want to go to COTA and run around it just to say I did. No timed laps. No racing. Just making it around the place to experience it..... then I run into someone else at T1.

How do you cover that?

Racingswh

You don't. The race track is a no fault environment. You assume the risk. If you turn into a corner and the car behind you loses it's brakes and takes you out the repairs to your car are on you.

I know of one instance where a coolant system failure led to a multi car incident behind it. The failed car was not directly involved in any contact. The owner of the car that failed paid for those repairs on the cars that were damaged in the incident of his own accord. A decision made easier for him simply because to him the monetary side had little significance. Not something I have personally heard of before or since.

I will add that if you make sure that your car is properly prepared and you use good judgement the entire time you're driving the possibility of car to car contact is remote. It happens. Just not very often. I insure my car, drive it about 8/10's and never worry about crashing it or into someone else.

rfn026

Generally it there is on-track contact everyone pays their own bills. It's the same as with racing.

I don't expect to be paid if someone hits me. It's just one of this track day things.



Richard Newton
Track Days 101

cre8fun

Ditto what has been said here. I started a thread on rennlist that went 6 pages about this topic. here was the resounding bottomline.

On track car contact - everyone pays for their own car regardless of who may have caused it. IF someone extends themselves to cover another's car, that's extremely nice, but not expected.

If you read the waivers you sign by the track at the gate, as well as the ones from the event organizers, they usually spell out that everyone's on their own and by signing you agree to hold no one (track, organizers, other participants ) liable for any loss you incur.

on track insurance - usually just covers your car while on the race surface. if you want pit or other coverage, you need an STP policy (covers Storage, Transport and pit).

If your car is tagged and insured for public roads - it's crazy unlikely you are covered no matter what your agent says. you will hear many people at the track say, "I talked to my agent. they said I'm covered..." most who've tested this have found that the agent may be doing their best to interpret the policy, but they don't have a say in the matter. unless you get the underwriters to issue you a letter saying you are covered for driving on a "racing surface" you should assume your not covered and that you are actually self insuring.

hope that helps