Going in drag
Thread Starter
Burning Brakes
Joined: Jun 2005
Posts: 896
Likes: 1
From: Ewing NJ
Going in drag
No, this isn't about politicians, it's a racing question. Does your car insurance policy cover accidents that might occur during drag racing? Does your salesman know you take it to the track every so often? I'm curious to know how the denizens of the CF deal with the occasional race.
Melting Slicks
Joined: Sep 2004
Posts: 3,024
Likes: 18
From: DFW Texas
I would be cautious. you DO need to find and read your policy and all endorsements. While it may vary state to state, I would rarely take the advices of your agent/friend.
Many I've seen have a clause (exclusion) as respects "time trials, closed course racing" etc. If it is not specifically excluded - that is- not in the policy or endorsements, it isn't excluded.
I'm sure more will chime in that are in the auto biz as either adjusters or agents. I just do aircraft coverages but actually DO read my auto and homeowner policies
Many I've seen have a clause (exclusion) as respects "time trials, closed course racing" etc. If it is not specifically excluded - that is- not in the policy or endorsements, it isn't excluded.
I'm sure more will chime in that are in the auto biz as either adjusters or agents. I just do aircraft coverages but actually DO read my auto and homeowner policies
Burning Brakes
Joined: Mar 2006
Posts: 830
Likes: 0
From: Atlanta Georgia
From what I've read in policies, they state that if you are in a "timed event" or "practice for and/or competition" you are usually not covered. How does drag-racing fit into that? Not sure, depends on your policy, and how thorough/specific they are...
Instructor
Joined: Jul 2006
Posts: 150
Likes: 0
From: Cherry Point NC
If you seriouslywreck during a drag race, you hire a tow truck to transport your car into some backcountry area. Then you push it into a ditch.
Next, call the police and file an accident report.
It's a balancing game. Do you...
1)pay thousands out of your pocket for body repairs
2)risk insurance fraud charges, increased insurance rates for a few years, police fines for reckless driving, and a guilty conscience.
I know a few people that have actually pulled off #2 with no problem.
The best thing to do is: LIFT YOUR RIGHT FOOT AND ABORT THE RUN IF SOMETHING DOESN'T SEEM RIGHT!!!!
Next, call the police and file an accident report.
It's a balancing game. Do you...
1)pay thousands out of your pocket for body repairs
2)risk insurance fraud charges, increased insurance rates for a few years, police fines for reckless driving, and a guilty conscience.
I know a few people that have actually pulled off #2 with no problem.
The best thing to do is: LIFT YOUR RIGHT FOOT AND ABORT THE RUN IF SOMETHING DOESN'T SEEM RIGHT!!!!
Race Director
Joined: Sep 2001
Posts: 16,507
Likes: 84
From: Southern Indiana
I asked my insurance agent, and she had to check with the home office. Her response was "We would cover the accident, but then drop your coverage after that." This was with State Farm.
Corvette Stories
The Best of Corvette for Corvette Enthusiasts
Top 10 Most Explosive Corvettes Ever Made: Power-to-Weight Ratio Ranked!
Joe Kucinski
150 hp to 1,250 hp: Every Corvette Generation Compared by the Specs That Matter
Joe Kucinski
8 Coolest Corvette Pace Cars (and Replicas) of All Time
Verdad Gallardo
Top 10 Corvette Engines RANKED by Peak Torque (70+ Years of Muscle!)
Joe Kucinski
Corvette ZR1X Will Be Pacing the Indy 500, And Could Probably Race, Too!
Verdad Gallardo
Top 10 Corvettes Coming to Mecum Indy 2026!
Brett Foote
Top 10 C9 Corvette MUST-HAVES to Fix These C8 Generation Flaws!
Michael S. Palmer
10 Revolutionary 'Corvette Firsts' Most People Don't Know
Joe Kucinski
5 Reasons to Upgrade to an LS6-Powered Corvette; 5 Reasons to Stay LT2
Michael S. Palmer
Le Mans Master
Joined: Jan 2001
Posts: 5,786
Likes: 6
From: Lafayette Colorado
Originally Posted by rworkman
I asked my insurance agent, and she had to check with the home office. Her response was "We would cover the accident, but then drop your coverage after that." This was with State Farm.
Keith
Administrator
Joined: Mar 2001
Posts: 368,080
Likes: 24,732
From: In a parallel universe. Currently own 2014 Stingray Coupe.
C7 of the Year - Modified Finalist 2021
MO Events Coordinator
St. Jude Co-Organizer
St. Jude Donor '03 thru '25
NCM Sinkhole Donor
CI 5, 8 & 11 Veteran
I know my policy states drag racing is not included under my coverage. And, my salesman doesn't need to know what I do with my car. Some dealerships are cool with racing the car, others will use it as an excuse to deny any warranty work.
Melting Slicks
Joined: Apr 2005
Posts: 3,469
Likes: 4
I'd be willing to bet that any legitimate policy from a reputable company has language that absolves them of any damage incurred from track, competition, timed events, speed contests, etc. Same with any warranty you get from a manufacturer or dealer -- I'm sure they say up front that if the car is used in a competitive manner, the warranty is void. That's what's in all that fine print that no one ever reads before they sign. ;-)
And sorry to sound harsh, but anyone that wrecks a car and uses fraud to get someone else to pay for their mistake is just a criminal.
If you can't afford to throw it off a cliff, don't take it on the track. Peace.
And sorry to sound harsh, but anyone that wrecks a car and uses fraud to get someone else to pay for their mistake is just a criminal.
If you can't afford to throw it off a cliff, don't take it on the track. Peace.
Last edited by rcs128; Oct 19, 2006 at 05:20 PM.
Drifting
Joined: Jun 2004
Posts: 1,261
Likes: 0
From: Bella Vista Arkansas
I've had friends who've totalled a car on a track at a driving school...and was covered. You may want to talk to some folks and see if there coverage you can buy for the weekend...but..as most folks say...if you cant afford to wreck it, dont race it.