Hardback

I did a search but didnt find any current info on State Farms policies. I call State Farm already but I dont get a straight answer and my local reps office is closed today. Any input would be greatly appreciated.

Cheers...

ivangene

Have heard that there are never incidents at DE's - oddly there have been some in very close proximity to the events

springgeyser

Do a search, it has been discussed before.

I've asked and in a round about manner, it is NO it is not officially covered but...

Divot

You are fully covered by State Farm, unless you may need to file a claim.

You are more likely to suffer mechanical failure than a collision.

LVDell

Forget what ANYBODY says here. What does your policy state? You should have a paper (or digital) copy of your policy terms. Insurance policies vary from state to state from the SAME company based on the insurance regulations of the state.

Hardback

Cant find a single word pertaining to closed course usage or Driving education courses. Nada. Read my policy 3 times so far.

LVDell

Your written policy is the gospel. However, I would NOT claim an on track accident unless you like ALL of your policy to either (a) increase dramatically; or (b) be dropped immediately.

This is why there is VERY affordable single event DE insurance that PCA endorses.

Hardback

Thanks Dell I cant find any exclusions but to be on the safe side Ill look into single event insurance. Redundancy can be a good thing. I see no exlusions within my current policy and am planning on driving an event in the near future. I read a post or two about very negative feedback once a customer has mentioned DE to thier insurance providers. Seems its a sore subject with insurance companies. Grey area I suppose???

Divot

You can get track coverage for less than $150 per $20k claim. See linky for example:

Insurance Example

LVDell

The other great thing is the DE insurance covers you vehicle without it being reported to your insurance. Huge plus.

Hardback

Good to know. Cheers.


Divot link not working but thanks for the effort

Divot

Try Motorsportreg dot com. There should be an insurance link.

No affiliation. Just a reference.

LVDell

Here's the PCA link for the DE insurance from the PCA website:

LINK

ivangene

sorry I see

1-2 or 3 day event coverage

Thundertub

Would have come in handy for a couple guys at the DE I was at this weekend.