DE for me!!!
08-18-2014, 06:47 PM
#31
Rennlist Member
08-18-2014, 07:29 PM
#33
Oh oh.... He is going racing...
I love taking my 991 to the track, but for many reasons, mostly related to $$, I built a Chump Mustang for racing, and can certainly use it for DE's. It is easier to relax when you have a full cage, HANS device and a car that you don't mind getting a little scuffed up.
Also, because it is a bit slower, it is also a bit "easier" to drive at the limit as things happen a bit more slowly. And you don't go as far when you leave the track..
I love taking my 991 to the track, but for many reasons, mostly related to $$, I built a Chump Mustang for racing, and can certainly use it for DE's. It is easier to relax when you have a full cage, HANS device and a car that you don't mind getting a little scuffed up.
Also, because it is a bit slower, it is also a bit "easier" to drive at the limit as things happen a bit more slowly. And you don't go as far when you leave the track..
08-19-2014, 12:49 AM
#35
Rennlist Member
Thanks for confirming what I basically said, that calling your insurance company is a BAD IDEA! The very best outcome one can possibly get is they try and sell you unnecessary extra coverage. The worst outcome, what you got, happened only after you told them you are not only using your car on a race track, but instructing with it, which to their ears is tantamount to professional use. People reading your story should bear that in mind.
Another thing people might want to consider is the lack of evidence backing up fear of loss. For all the fear, I have yet to hear of any loss. That's in over a decade of PCA and now three years of RL, not one person stepping up with solid info of a claim not being paid solely because it happened at a PCA Driver Ed event.
Another thing people might want to consider is the lack of evidence backing up fear of loss. For all the fear, I have yet to hear of any loss. That's in over a decade of PCA and now three years of RL, not one person stepping up with solid info of a claim not being paid solely because it happened at a PCA Driver Ed event.
"To any loss caused by the insured in participation and/or preparation for any racing, speed, or demolition contest or stunting activity of any nature, whether or not prearranged or organized."
I think it would be really difficult to prove that a PCA-organized DE event is a race as there are no winners. Interesting that they would quickly cancel a policy if they suspect you might go anywhere near the track yet they are reluctant to include an explicit exclusion for all track events - at least in the case of GEICO in FL. Anyway, based on MY policy, spending $600-700 per day for track day insurance does not seem justifiable to ME... YMMV and IANAL, the only lesson here is that if you are in a contract, you might want to read and understand it...
08-19-2014, 06:02 AM
#36
Checked all of my GEICO (FL) policy documents, not a fun read. The only exclusion that _might_ be even remotely relevant:
"To any loss caused by the insured in participation and/or preparation for any racing, speed, or demolition contest or stunting activity of any nature, whether or not prearranged or organized."
I think it would be really difficult to prove that a PCA-organized DE event is a race as there are no winners. Interesting that they would quickly cancel a policy if they suspect you might go anywhere near the track yet they are reluctant to include an explicit exclusion for all track events - at least in the case of GEICO in FL. Anyway, based on MY policy, spending $600-700 per day for track day insurance does not seem justifiable to ME... YMMV and IANAL, the only lesson here is that if you are in a contract, you might want to read and understand it...
"To any loss caused by the insured in participation and/or preparation for any racing, speed, or demolition contest or stunting activity of any nature, whether or not prearranged or organized."
I think it would be really difficult to prove that a PCA-organized DE event is a race as there are no winners. Interesting that they would quickly cancel a policy if they suspect you might go anywhere near the track yet they are reluctant to include an explicit exclusion for all track events - at least in the case of GEICO in FL. Anyway, based on MY policy, spending $600-700 per day for track day insurance does not seem justifiable to ME... YMMV and IANAL, the only lesson here is that if you are in a contract, you might want to read and understand it...
Wow, first you shattered the break-in myth, now the track insurance scam.
11-24-2018, 07:42 PM
#37
Rennlist Member
I also black it out just to reduce the amount of personally identifiable information out there as a matter of due diligence. An example would be if you **** off someone enough on the forums, they could theoretically stir up trouble you. In the "Don't Mess with Texas" litter campaign, you can report people by turning in their license plate number, make, and color of car. It's a stretch that someone would do such a thing, but it's not unheard of (e.g.: swatters).
Here's another place someone could get you listed: http://licenseplatereports.com and https://baddrivers.com. Not a big deal really, but why give someone the latitude to do it.
And most worrying of all: https://recordsfinder.com/plate. It correctly reported the make, model, year of my car and offers to report additional info for a fee.
Here's another place someone could get you listed: http://licenseplatereports.com and https://baddrivers.com. Not a big deal really, but why give someone the latitude to do it.
And most worrying of all: https://recordsfinder.com/plate. It correctly reported the make, model, year of my car and offers to report additional info for a fee.
11-24-2018, 10:29 PM
#38
From a Track Junky ,
Welcome to the bug
seems like someone liked thier first DE day
Stick to DE for awhile and when you get better you will get invited to some private track day groups, where the passing rules are more relaxed.
Go a step further and get a spec maita
Its like an entry to fine wine... and can get much more expensive than golf.
The most important thing is driver skill - you will know when its time to upgrade the car.
Welcome to the bug
seems like someone liked thier first DE day
Stick to DE for awhile and when you get better you will get invited to some private track day groups, where the passing rules are more relaxed.
Go a step further and get a spec maita
Its like an entry to fine wine... and can get much more expensive than golf.
The most important thing is driver skill - you will know when its time to upgrade the car.