Geico
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Geico
Anyone else use geico insurance? I was wondering how there coverage works at an HPDE/auto-x. I'm sure some people out there unfortanately have had mishaps and needed insurance coverage. Was there any trouble? I know this is an ongoing debate and the whole head to head or time trials is the exclusion, but any first hand actual experiance???
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to answer your first question I use Geko and I love them. good service, fair prices and just all around easy to work with. for me at least.
as far as your second question I have no idea. you could call them and tell them you are thinking about switching from X company and ask them if they cover any events i.e. auto-x, HPDE.
as far as your second question I have no idea. you could call them and tell them you are thinking about switching from X company and ask them if they cover any events i.e. auto-x, HPDE.
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many insurnace companies have it in their agreement that permits driving school type activities....so just use those type of words if anything happens. The main thing for being on the track is to say that it was a "non-timed" and "non-competetive" event. Since autoX is usually in parking lots of some other random place, you can probably get away with a bit more.
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i talked with Geico this morning. They tell me its NOT covered. I explained it is a educational driving day and they tell me regardless of what it is, if it is held on a race track, its not covered. They say it falls under the "intent to damage or injury" section which obvisously is not covered. We are still talking back and forth concerning this.
i can't afford to throw away my car which is why i do not race it. only hpde's and auto-x. I believe my commute home on I-40 becomes much more hazards then any time I am on the track. I can't watch for 50 other people around me on the hwy. Atleast on the track for the most part anyhow I am the only to be concerned with....within reason.
i can't afford to throw away my car which is why i do not race it. only hpde's and auto-x. I believe my commute home on I-40 becomes much more hazards then any time I am on the track. I can't watch for 50 other people around me on the hwy. Atleast on the track for the most part anyhow I am the only to be concerned with....within reason.
Last edited by Billhyco; 08-31-2007 at 07:25 AM.
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Yeah, pretty much all insurance companies are starting to not cover any kind of driver training events -- thank the wide distribution of the video of the Viper hitting the inside wall at Phoenix during a "driver training event" for a lot of that. Add the additional "lapping days" that more and more drivers are attending, and you've got a recipe for only double-digit ROI (return on investment) for insurance companies.
In addition, doing full-on racing with a car pretty much precludes it from being any kind of street car, mainly because the required safety equipment makes them acutally *less* safe to drive on the street (you don't drive on the street with a helmet, do you?). Autocross is relatively safe, HPDEs less so, but unless you can convince insurance companies that high-performance driving will reduce their costs, they'll continue to "not cover" anything timed or on a track.
The problem is that there's actually no way to prove that driving on a track is safer, since the number of incidents per car is far higher on a track than it is on the street, mainly because of the sheer number of cars on the street.
In addition, doing full-on racing with a car pretty much precludes it from being any kind of street car, mainly because the required safety equipment makes them acutally *less* safe to drive on the street (you don't drive on the street with a helmet, do you?). Autocross is relatively safe, HPDEs less so, but unless you can convince insurance companies that high-performance driving will reduce their costs, they'll continue to "not cover" anything timed or on a track.
The problem is that there's actually no way to prove that driving on a track is safer, since the number of incidents per car is far higher on a track than it is on the street, mainly because of the sheer number of cars on the street.
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Axelerate -
I have USAA and am glad to hear that. I haven't been able to find anything in writing that support that position. I am curious as where I can read that info.
It would be nice to have a complete understanding of what they will cover.
USAA is the best. I have always had them (Dad was in the Airforce) and the service is great. The year end dividend check can be nice as well.
Marc
I have USAA and am glad to hear that. I haven't been able to find anything in writing that support that position. I am curious as where I can read that info.
It would be nice to have a complete understanding of what they will cover.
USAA is the best. I have always had them (Dad was in the Airforce) and the service is great. The year end dividend check can be nice as well.
Marc
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after a little bit of discussion with Geico, this is what I got back....
We are currently reviewing your request with our Coverage Underwriters regarding this particular situation. In order to further review your request, they are in need of additional information. Please reply to this e-mail by providing the following information: -
What takes place at a High Performance Driving Education Day?
- What is the purpose of this course?
- How will taking this course benefit you?
- How will the information learned in this course be used in the future?
Once this information has been received, we will be happy to further review this matter for you.
either they are just making me feel good by acting interested or maybe i can figure out a way to get coverage....who knows. but its worth a couple emails i suppose.
We are currently reviewing your request with our Coverage Underwriters regarding this particular situation. In order to further review your request, they are in need of additional information. Please reply to this e-mail by providing the following information: -
What takes place at a High Performance Driving Education Day?
- What is the purpose of this course?
- How will taking this course benefit you?
- How will the information learned in this course be used in the future?
Once this information has been received, we will be happy to further review this matter for you.
either they are just making me feel good by acting interested or maybe i can figure out a way to get coverage....who knows. but its worth a couple emails i suppose.
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Originally Posted by Marc Mc
Axelerate -
I have USAA and am glad to hear that. I haven't been able to find anything in writing that support that position. I am curious as where I can read that info.
It would be nice to have a complete understanding of what they will cover.
USAA is the best. I have always had them (Dad was in the Airforce) and the service is great. The year end dividend check can be nice as well.
Marc
I have USAA and am glad to hear that. I haven't been able to find anything in writing that support that position. I am curious as where I can read that info.
It would be nice to have a complete understanding of what they will cover.
USAA is the best. I have always had them (Dad was in the Airforce) and the service is great. The year end dividend check can be nice as well.
Marc
After speaking to some other people at a hpde, quite a few were aware that usaa covers the events.
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Originally Posted by Billhyco
i can't afford to throw away my car which is why i do not race it. only hpde's and auto-x. I believe my commute home on I-40 becomes much more hazards then any time I am on the track. I can't watch for 50 other people around me on the hwy. Atleast on the track for the most part anyhow I am the only to be concerned with....within reason.
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Originally Posted by Redfoot
Don't ever think that you won't wreck your car at an HPDE or Auto-X. **** happens.
as i spun out cresting a hill at VIR this past weekend running about 85-90mph. Sheot happens definately. but i would like my sheot to be covered when it does happen...... as long as I am not being timed or racing.
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Originally Posted by Axelerate
when i started my wife's and i policy i asked about it, and i answered some questions. i was told that it is covered as long as no timing devices are used.
After speaking to some other people at a hpde, quite a few were aware that usaa covers the events.
After speaking to some other people at a hpde, quite a few were aware that usaa covers the events.
Huh. I thought USAA didn't cover track events, even HPDE's. I'll have to call them today and ask about it. Got anything in writing?
Dave
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Originally Posted by Dave 90TT
Huh. I thought USAA didn't cover track events, even HPDE's. I'll have to call them today and ask about it. Got anything in writing?
Dave
Dave
please let us know what you find out. thanks