Jay-S

That language was from a 2014 policy.

In 2007, the Travelers exclusion language was different (and weaker) but I interpreted it the same:

Loss to "your covered auto" or a "non-owned auto" while operated in any prearranged or organized race, meet or contest or in practice or preparation for any such event.

008

I've gone through a lot of companies because when they change their policy I move on. That said I have three close friends that either received coverage no question asked and one that won litigation after on track hpde accidents. Given the track day insurance market is expanding, I wonder if more everyday companies will start offering riders for xxx more.

Archimedes

No, they don't. There isn't a single major insurance carrier that provides coverage for track day use in their auto policies anymore. None. They've all amended to exclude track day coverage in recent years.

I have no stake in the claim, I've just done the research. If you know of one that still provides this coverage, please post it. I'm sure many of the Rennlisters who track their cars regularly and spend thousands annually on track day insurance would love to know.

Archimedes

Allstate does not cover participation in track days anymore. Who knows what he's talking about. It could have been an accident in the pits, rather than on the track.

jimbo1111

Language can be interpreted in various and creative ways. My insurance broker insists that I'm covered. Now if I didn't have a relationship with him. I would be a little worried. Unfortunately it comes down to favor. I throw a lot of money his way so the language changes based on interpretation. Unfortunately everything in life works that way. Learn the art of leverage or just pay.

Archimedes

Your broker has no impact whatsoever on whether your claim gets paid. If you think he or she does, you're sorely mistaken. Then aren't involved in interpreting coverage in a claims situation. They are a broker - they sell you insurance. The claims specialists handle the actual claim and policy interpretation.

If you want to know if you really have coverage, call your insurance company directly and ask the question, and then ask for the policy language. Then post it on here so that others can make use of the information. Or just post your Company name, so others can call.

I've called GEICO, Allstate, State Farm, Nationwide and Progressive and they all told me to go pound sand.

Izzone

The answer is no

When I used to play the de game we looked at this every way possible, had experts read the back end of a policy....most insurance companies caught on in 2012 and re wrote policy

If u crash at a track and tow outside...its fraud...and the companies do pull up de records

Three option
1) track insurance
2) self insure
3) buy a dedicated track car...the ones made of paper mache are somewhat cheap to fix

I've wrecked three times ever...all Mechsnical failure of a part....once in a cup, full power turn 1 Sebring....not pretty, had right axle break mid turn

It's not if you crash it's when

fast1

What your insurance broker told you will prevail in court, provided that you have his assurance to you in writing. Otherwise it's meaningless. I'm certain that if it's verbal, your broker will maintain that you misinterpreted what he told you when you try to get the company to cover your claim.

As a four decade participant in DE events, I'm unaware of any Insurance company that currently doesn't exclude track events. If anyone knows of any please let us know.

fast1

It's not complicated. Insurance fraud is the wrongful or criminal deception of an insurance company for the purpose of wrongfully receiving compensation or benefits. Misrepresenting the facts in an automobile accident report is soft fraud, which is classified as a misdemeanor in most states, and may be punishable by a year or less in jail, fines, community service, and probation.

Izzone

I know someone that crashed at VIR, Chin Motorsports

Reported the accident off track

Insurance investigator pulled up de registration and thru investigation found out where the accident really occurred and what happened...remember when u wreck ever person with a cell phone takes pictures and puts on social media

Lying is not worth the risk...if u can't self insure its best to buy event to event coverage

Myself I self insure

fast1

Do you know if the Insurance company pressed charges? I do know that Insurance fraud is a multi-billion dollar business, and we all pay for it through inflated Insurance rates.

seattle_sun

Wow. You think insurance companies are that stupid? Insurance fraud is not a joke.

If you are going to track the car, get track insurance or be able to walk away from your loss.

thebishman

I wish that my regular carrier covered me at an HPDE, but since they don't, I buy Track insurance thru' Lockton. Generally for an agreed upon value of $85,000 and with a 10% deductible it costs me around $500 for a full weekend and that also includes my 25 year old son driving my car in a different run group.
Bish

fast1

Everyone has a different tolerance for risk, but $85K coverage for a weekend for $500 is a good deal as far as I'm concerned.

WCE

That's pretty clear and unusual language, DE events are generally still a gray area in most policies (unless you call them and are told "no"). IMO if you can read the exclusions and can interpret a non-competitive, non-timed DE event as covered, you have a very good case for full coverage (at least your first incident).