Track days and "normal" car insurance
03-02-2018, 10:13 AM
#21
Le Mans Master
Thread Starter
Something is screwed up with the video or with YouTube. The sound finished about 10 seconds ahead of the video which decided to pause several times while the sound kept playing. Could hear the off but the stopped video showed the car in the center of the pavement.
Bill
Bill
03-14-2018, 11:34 AM
#23
Melting Slicks
if you're someone that is doing 70 track days even over a three-year period, you're probably running a dedicated track car and if you're running a dedicated track car you have enough money to not insure it at $300 a day.
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polyol (03-14-2018)
03-14-2018, 11:38 AM
#24
Melting Slicks
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Those are my thoughts also...
Accidents do happen, but I did 100+ days before I had anything noteworthy happen. Someone dive-bombed me during a race, which probably wouldn't have been covered by track day insurance anyway.
Accidents do happen, but I did 100+ days before I had anything noteworthy happen. Someone dive-bombed me during a race, which probably wouldn't have been covered by track day insurance anyway.
03-14-2018, 11:54 AM
#25
If you are a track nut and you make a few assumptions then it is harder to swallow from a bottom line perspective.
Autox, I would never buy unless you race on a nasty course. I probably have over a hundred track day events at Autox, ive only seen a handful of issues and they were never big dollar destroy your car issues.
03-14-2018, 12:06 PM
#26
Melting Slicks
Yeah I hear that. I guess what I am saying is if you run once a year, are inexperienced and do not have a throw away car then it is a good idea.
If you are a track nut and you make a few assumptions then it is harder to swallow from a bottom line perspective.
Autox, I would never buy unless you race on a nasty course. I probably have over a hundred track day events at Autox, ive only seen a handful of issues and they were never big dollar destroy your car issues.
If you are a track nut and you make a few assumptions then it is harder to swallow from a bottom line perspective.
Autox, I would never buy unless you race on a nasty course. I probably have over a hundred track day events at Autox, ive only seen a handful of issues and they were never big dollar destroy your car issues.
having said that ill probably do some autox in my z06 since track day insurance is $500/day for me.
03-14-2018, 12:44 PM
#27
Instructor
Yeah I hear that. I guess what I am saying is if you run once a year, are inexperienced and do not have a throw away car then it is a good idea.
If you are a track nut and you make a few assumptions then it is harder to swallow from a bottom line perspective.
Autox, I would never buy unless you race on a nasty course. I probably have over a hundred track day events at Autox, ive only seen a handful of issues and they were never big dollar destroy your car issues.
If you are a track nut and you make a few assumptions then it is harder to swallow from a bottom line perspective.
Autox, I would never buy unless you race on a nasty course. I probably have over a hundred track day events at Autox, ive only seen a handful of issues and they were never big dollar destroy your car issues.
The driver was 17 so probably not a lot of experience. But it was not the first car I saw totaled at an autocross either. I have never got insurance for autocross or track day.
03-14-2018, 12:52 PM
#28
Melting Slicks
holyshit how does that even happen is there video of this?
03-14-2018, 04:32 PM
#29
Team Owner
Variety of ways, island or light pole in the middle of the parking lot and a strange spin, part failure etc.
One of the owners of Detroit Speed had a nasty accident in an autox a few years back, and they are very experienced. Granted the driver was likely pushing hard as well, and no matter how good you are accidents are more likely to happen when you're on the limit.
Point is it can happen to any one of us. Always be as aware of your surroundings and run off as you can be.
One of the owners of Detroit Speed had a nasty accident in an autox a few years back, and they are very experienced. Granted the driver was likely pushing hard as well, and no matter how good you are accidents are more likely to happen when you're on the limit.
Point is it can happen to any one of us. Always be as aware of your surroundings and run off as you can be.
Last edited by 93Polo; 03-14-2018 at 04:33 PM.
03-14-2018, 10:15 PM
#30
Melting Slicks
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Autocross IS a peculiar sport...
I'd do it more but I suck at it!
And occasionally cars do get destroyed there, but it is the exception rather than the rule.
Around here, figure 1 car, + or -, destroyed per NASA HPDE weekend.
03-15-2018, 06:05 AM
#31
Supporting Vendor
Just to throw a monkey wrench into the discussion, my dads former baubiness partner went off track at WGI last year in his new Z06 and scraped the wall. Basically all body damage. He told State Farm what happened and they paid the whole $13,000. Just saw him yesterday and confirmed the story. Couldn’t believe it myself, but I guess this should definitely be considered a rare exception.
03-15-2018, 12:55 PM
#32
Burning Brakes
This tread is exactly why I went back to a slow 4cyl car to track. Multiple track days in my c5z and never got track insurance. Stupid. My last track day in the z at thunderbolt, Just as I applied braking for turn 1, the abs instantly activated. Car went sideways right then left. I was able to save it, but the whole time I thought to myself, welp this is it, I’m gonna hit something.. Even thought it’s only worth 20k on a good day I wasn’t ok with badly damaging it. Following year I built my disposable track car, a Acura Integra. With only 160hp I am now 1.3 sec away from my fastest lap time in my c5z. Z sees street duty only for now. One day I will have it back on track.
03-15-2018, 01:10 PM
#33
Melting Slicks
This tread is exactly why I went back to a slow 4cyl car to track. Multiple track days in my c5z and never got track insurance. Stupid. My last track day in the z at thunderbolt, Just as I applied braking for turn 1, the abs instantly activated. Car went sideways right then left. I was able to save it, but the whole time I thought to myself, welp this is it, I’m gonna hit something.. Even thought it’s only worth 20k on a good day I wasn’t ok with badly damaging it. Following year I built my disposable track car, a Acura Integra. With only 160hp I am now 1.3 sec away from my fastest lap time in my c5z. Z sees street duty only for now. One day I will have it back on track.
03-15-2018, 02:15 PM
#34
Burning Brakes
yup everyone is diff. I really like my c5z and I wasn’t ready to make it a dedicated track car or ok with loosing it like the integra. If I smash it who cares. I’ll buy another shell and swap over what I can. Consumables are crazy cheap and last a whole season for me. I’m sure a time will come where I’ll be ready and willing to take it back out.
03-15-2018, 02:56 PM
#35
Melting Slicks
yup everyone is diff. I really like my c5z and I wasn’t ready to make it a dedicated track car or ok with loosing it like the integra. If I smash it who cares. I’ll buy another shell and swap over what I can. Consumables are crazy cheap and last a whole season for me. I’m sure a time will come where I’ll be ready and willing to take it back out.
03-15-2018, 03:28 PM
#36
Burning Brakes
03-15-2018, 03:54 PM
#37
Melting Slicks
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"Great idea."
I'm not made of money, so consumables cost is important to me.
Also important: The concept of learning how to wring all the speed possible out of a slower car vs. ***-haulin' around in a faster one, while actually learning very little. It's difficult to learn the subtleties when wielding a sledge hammer...
03-15-2018, 04:42 PM
#38
Burning Brakes
No, I second those thoughts.
"Great idea."
I'm not made of money, so consumables cost is important to me.
Also important: The concept of learning how to wring all the speed possible out of a slower car vs. ***-haulin' around in a faster one, while actually learning very little. It's difficult to learn the subtleties when wielding a sledge hammer...
"Great idea."
I'm not made of money, so consumables cost is important to me.
Also important: The concept of learning how to wring all the speed possible out of a slower car vs. ***-haulin' around in a faster one, while actually learning very little. It's difficult to learn the subtleties when wielding a sledge hammer...
starts at 11:15 with a 1.41.5. fastest I’ve gone in my z is a 1:40.2. My goal this year is to be in the 1:39’s in the cheap car.
12-15-2018, 09:45 AM
#39
Melting Slicks
Just to throw a monkey wrench into the discussion, my dads former baubiness partner went off track at WGI last year in his new Z06 and scraped the wall. Basically all body damage. He told State Farm what happened and they paid the whole $13,000. Just saw him yesterday and confirmed the story. Couldn’t believe it myself, but I guess this should definitely be considered a rare exception.
https://www.iaai.com/Vehicle?itemID=...oadRecent=True
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daleong (12-20-2018)
12-15-2018, 10:22 AM
#40
Melting Slicks
HOW are people getting these covered? Too much publicity I would think to blatantly lie on what happened. Which I have seen from autos crashes.