Regular Auto Insurance Coverage for DE (Driver Education) for US based drivers?
11-27-2016, 11:21 AM
#31
Rennlist Member
11-27-2016, 11:23 AM
#32
Rennlist Member
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.
11-27-2016, 03:13 PM
#34
Nordschleife Master
Not a bad move...in the progression of a de driver most eventually figure out tearing up your street car isn't worth it...track time is hard on a car
Also once u drive a lightweight car at speed on track the heavy ones just aren't that fun
No insurance is just icing on the cake, risk isn't worth the reward...modern cars total out quick
Also once u drive a lightweight car at speed on track the heavy ones just aren't that fun
No insurance is just icing on the cake, risk isn't worth the reward...modern cars total out quick
11-27-2016, 03:20 PM
#35
Drifting
11-27-2016, 04:17 PM
#36
Interesting info here.
I do want to track the GTS once or twice but after that might be better off renting a Miata for a day than spending ~$600 on track insurance + expensive Porsche consumables...
I do want to track the GTS once or twice but after that might be better off renting a Miata for a day than spending ~$600 on track insurance + expensive Porsche consumables...
11-27-2016, 06:33 PM
#38
Banned
Travelers policy under Damage To Your Auto Coverage Section - Exclusions
Loss to “your covered auto” or any “non-owned auto” which occurs while participating or compet- ing in, or practicing or preparing for any prear- ranged or organized:
a. Racing contest, meet or rally, whether against another vehicle or against time;
b. Demolition contest;
c. Stunting activity; or
d. High performance driving or racing instruction
course or school.
This Exclusion (9.) applies only while the vehicle is at a location, whether temporary or permanent, established for any of the above purposes.
So the fact of it being timed is NOT a critical component of the exclusion.
Loss to “your covered auto” or any “non-owned auto” which occurs while participating or compet- ing in, or practicing or preparing for any prear- ranged or organized:
a. Racing contest, meet or rally, whether against another vehicle or against time;
b. Demolition contest;
c. Stunting activity; or
d. High performance driving or racing instruction
course or school.
This Exclusion (9.) applies only while the vehicle is at a location, whether temporary or permanent, established for any of the above purposes.
So the fact of it being timed is NOT a critical component of the exclusion.
11-27-2016, 06:43 PM
#39
Rennlist Member
11-27-2016, 07:25 PM
#41
Banned
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Originally Posted by jimbo1111
So according to your policy if you are being educated by a professional instructor. Even if it's your child who is learning to drive with a permit and crashes your vehicle. You have no coverage. I would drop that insurer like a bad habit.
None of the above pertains to any track/DE events.
Last edited by LexVan; 11-27-2016 at 09:43 PM.
11-27-2016, 09:36 PM
#42
But that's not what it says. It says 'high performance driving or racing instruction'. Your kid getting drivers ed instruction doesn't fall under high performance driving...
11-27-2016, 09:57 PM
#43
Banned
Open to interpetation. I think it's a safe bet to have track insurance just incase but does that track insurance include liability? I've heard of injuries and fatalities on track. Screw the car. What happens if someone wants to sue?
11-27-2016, 10:28 PM
#44
Every event I've participated in requires a waiver for the track property, and then at registration, one signs another waiver for the Club.
Except for the first few DEs I participated in, I have purchased supplemental track insurance. It covers an agreed amount for the car, no liability.
My regular State Farm policy ends coverage as I enter racetrack property.
11-27-2016, 10:36 PM
#45
Banned
Every event I've participated in requires a waiver for the track property, and then at registration, one signs another waiver for the Club.
Except for the first few DEs I participated in, I have purchased supplemental track insurance. It covers an agreed amount for the car, no liability.
My regular State Farm policy ends coverage as I enter racetrack property.
Except for the first few DEs I participated in, I have purchased supplemental track insurance. It covers an agreed amount for the car, no liability.
My regular State Farm policy ends coverage as I enter racetrack property.