question about drag racing
Thread Starter
Burning Brakes
Joined: May 2001
Posts: 1,138
Likes: 0
From: Waco,TX USA
question about drag racing
I know this is a stupid question. I was watching BParker's video with the mustang that wrecked. Does car insurance cover a wreck at the track? I didn't know if there may be a clause in it about any kind of racing. :confused:
Race Director
Joined: Aug 2000
Posts: 10,649
Likes: 31
From: Central Florida
Re: question about drag racing (C5chicky)
C5chicky,
Gotta read your policy. Almost always there is a clause excluding coverage during participation in a timed racing event, which drag racing surely is.
Ranger
Gotta read your policy. Almost always there is a clause excluding coverage during participation in a timed racing event, which drag racing surely is.
Ranger
Le Mans Master
Joined: Aug 2001
Posts: 8,145
Likes: 1
From: Bradenton FLORIDA
Re: question about drag racing (Ranger)
Racing & Illegal activity (not that they have anything to do w/each other) are usually excluded from coverage. But I have heard of some hit & run damage or dear ran out in front of me being covered.
Bottom line, if you are going to race, you are risking breaking & wrecking and as someone who does it weekly...it cost $ .
Odds are very slim that you will wreck though...just use common sense & know the feel of your car. Pretty hard to hurt a mostly stock C5 mechanically as well.
Good Luck! Let's Race! You'll LOVE it! :flag :D
Bottom line, if you are going to race, you are risking breaking & wrecking and as someone who does it weekly...it cost $ .
Odds are very slim that you will wreck though...just use common sense & know the feel of your car. Pretty hard to hurt a mostly stock C5 mechanically as well.
Good Luck! Let's Race! You'll LOVE it! :flag :D
Drifting
Joined: Aug 2000
Posts: 1,386
Likes: 0
Re: question about drag racing (C5chicky)
I know this is a stupid question. I was watching BParker's video with the mustang that wrecked. Does car insurance cover a wreck at the track? I didn't know if there may be a clause in it about any kind of racing. :confused:
[Modified by 2thDr, 12:31 PM 9/19/2001]
Instructor
Joined: May 2001
Posts: 204
Likes: 0
From: Ridgetop TN
Re: question about drag racing (C5chicky)
Here is a section from the nasaproracing website.
Accidents:
Accidents: Body damage to cars very rarely occurs, however you are encouraged to check with your insurance company regarding coverage. Most insurance companies cover damages to your car during the school (HPDE) portion of the event. Be careful if they tell that it is not covered. Agents have been wrong before. Ask them for a list of "eclusions" in YOUR policy and consult and expert. From 1989 to date, there has been zero unpaid claims.
see:
http://veloce.nasaproracing.com/
Accidents:
Accidents: Body damage to cars very rarely occurs, however you are encouraged to check with your insurance company regarding coverage. Most insurance companies cover damages to your car during the school (HPDE) portion of the event. Be careful if they tell that it is not covered. Agents have been wrong before. Ask them for a list of "eclusions" in YOUR policy and consult and expert. From 1989 to date, there has been zero unpaid claims.
see:
http://veloce.nasaproracing.com/
Melting Slicks
Joined: Mar 2001
Posts: 2,423
Likes: 0
From: western colorado colorado
Re: question about drag racing (RedLandRocket)
You are SOL if racing at a track...No question bout it...I work in this field and have checked several different companies, all the same :(
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Melting Slicks
Joined: Mar 2001
Posts: 2,423
Likes: 0
From: western colorado colorado
Re: question about drag racing (MitchellDavidson)
Street racing opens up a can of worms, they would have to prove it to deny a claim...Generally street stuff is paid :rolleyes:
Drifting
Joined: Apr 2001
Posts: 1,763
Likes: 24
From: Austin TX
Re: question about drag racing (C5chicky)
The problem is that most insurance policys excluded timed races. I attended the f-body.org event in Memphis this year and two cars slid into the wall on the road course, but the road course part of the event is NOT timed specifically for this reason. Its just for fun and learning to drive.
Both car's had successful insurance claims.
Eric
Both car's had successful insurance claims.
Eric
Safety Car
Joined: Dec 2000
Posts: 3,888
Likes: 0
From: Humble, Tx
Re: question about drag racing (C5chicky)
This subject came up sometime back. The author stated that he had Nationwide insurance and that he double checked with his agent and there were NO exclusions in his policy. I have Nationwide also, but I have never checked up on this. I took the forum members word that he was certain that Nationwide would cover an accident at the track.....
Thread Starter
Burning Brakes
Joined: May 2001
Posts: 1,138
Likes: 0
From: Waco,TX USA
Re: question about drag racing (MitchellDavidson)
:eek: This is scarey! :eek: I have state farm and am getting a really good price on my insurance right now. I totaled my 97 Transam and they were really awesome to me. They paid me 20K for it!