Lemming

I have to agree.

spazegun2213

I simply dont insure my 944, its not worth that much so i figured why bother.

Lemming

When I got into DE about 2.5 years ago, a few of the local clubs had you photocopy your insurance card to prove you had insurance. I've not seen this over the last year, so most of them must have dropped the requirement. Having said that, since my car is no longer put on the street, I might have to consider dropping my insurance (State Farm )

Phokaioglaukos

I may have been too cryptic. The waivers we sign with PCA, BMW CCA, and the like are our agreement that if another participant negligently (or even intentionally, I think) collides with our car that neither the participant nor the sponsoring club is liable to us for the damage. Given the waiver of liability, there should not be a good claim that might be subject to insurance. The claims I think the insurance companies are avoiding with the on-track exclusions are the claims by their own insureds, not defending their insureds against claims by other participants.

Anyway, that's what I think.

Were I to get a track car for DE (and maybe racing at some point), I would get a car that I could afford to write off entirely. (Probably not a 944, Matt, as I would expect that car to drive too differently from my GT3, but maybe a 964.)

M758

Yep.
If wrecked my car is worth quite a bit more as parts than as complete car by the book. So I'd get maybe $1200 from insurance. Well short of a Joey Hand I think I could salvage alot more $$$ than that from a wadded up spec car.

As for needing isurance to get on the track. I have never been asked. Never in racing nor in DE. A race track is not a public road and as clearly stated now insurance would not cover you(collision or liability) anyway so insurance or not is irrelevant.

As for the liablility issue... Yes waiver should protect people, but that does not stop everyone. I am sure you are aware of the Carrera GT incident.

Phokaioglaukos

Indeed, but that has not shaken out as far as I know. Sad that the defence costs to the owner's estate will be so high, though. Makes you wish for the English system where the loser pays the attorney fees of the winner. Might make plaintiffs, and their counsel, think harder before filing suit.

bnewport

I'm compiling a wiki page on this topic which is easier for people to look at than trawl a couple of hundred forum posts It's here:

http://www.trackpedia.com/wiki/Does_...t_the_track%3F

If you have additional companies not paying out then please feel free to add them or PM me and I'll do it.

Thanks

penguinking

i was always under the impression that a race track is a de facto no fault zone, so a crash involving multiple cars couldnt assign blame to any one driver.

i think we may start to see more wrecked cars on the road that "mysteriously" spun and crashed no joke though, i've heard of people doing this before and i'll bet that these instances are going to increase if coverage is completely dropped from the track.

penguinking

"There is no Physical Damage Coverage while a vehicle is being prepared for, used in practice for, or operated in any racing, speed, hill-climbing, jumping, or other similar contest on any road; or on a track designed primarily for racing or high-speed driving."

also note that the grammar here refers to a "contest" - meaning that there is no coverage for any "contest" of speed, racing, etc. on any road or race track. technically, a DE is not a contest. then again, the original poster said that the wording isn't finalized yet.

bnewport

The wording is now becoming more broad. No coverage for accidents on a racing surface pretty much excludes all track based driving for any purpose.

Lemming

"or on a track designed primarily for racing or high-speed driving"

Capt. Carrera

Remember this incident?

This case is going to make all insurance companies close the "DE loop hole" ASAP. It will also jack the price of DEs substantially.

Boulder GT3

Sad, but true.

If I owned and insurance company I'd close the loophole. I think it is beyond the spirit and intent of what they intend to cover.

Also, the crash rate on many of the new very powerfull cars like the Z06, Ford GT, is very high.

It seems like lately, at every open track event I'm seeing one high end car get crunched. A new Murci and a 360 spider to name a few. Totaled.

penguinking

thats actually not a bad idea. PCA should create a captive insurance company, problem solved.

forklift

I think PCA approached Laurel so we could have track ins. I doubt PCA wants to get in the ins. biz.

I have Laurel DE ins. and it is good for (some) piece of mind.