Geico all the way. Progressive is such a ripoff

 

Usaa!

 

+1

 

I assume you are asking who insures my car when I am racing?

 

My understanding is all auto insurers exclude covering damages which result from any "organized racing event or activity".

I believe this would include both 1st and 3rd party claims, meaning no colllision coverage and no liability coverage.

A few years back I heard a story of a guy who wrecked his Z at Summit Point Raceway and had the car towed out to the highway and jammed it up against a guardrail and then called the police!

What's a little INSURANCE FRAUD among friends......right?

 

Now, no offense to you or the purpose of this thread, but I think most people also have common sense. It's the insured's responsibility to ask the necessary questions before making a policy effective. It's also the insured's responsibility to read their policy booklet once it arrives at their home. Who actually thinks F1 race cars are insured by Geico or Progressive? Like I said before, there are companies out there that do it, but it's very expensive and not practical if your Z is a daily driver.

Mainstream companies insure cars for personal use (daily driving). If it's for your business, then it's classified as commercial. If it's an antique show car, then it's under antique/classic. If you want to track your car, then it's your responsibility to let the company know so that you are insured correctly.

 

^ And by the way, I am the insurance industry

 

I have Usaa and I track my daily driver.

I am well aware that I am not covered when I'm on track. The track insurance I have seen has a deposit that costs more than my car is worth.

 

USAA, I auto-x and will be tracking the car next year.

 

USAA. I assume that if I roll it up into a ball that I am NOT covered. But if it would help I could call them and ask about how it works and how they price it, and what is the deal with aftermarket parts coverages. I will give them a ring.

 

"Active Military", they don't give respect to the "Retired Military of 20 years+"
So I use my second choice: "State Farm". Pretty good too!

 

Um, no if you served in the military you are elidgable and so are your children (but not your grandchildren)

I did not serve but both of my parents did and I have a completely separate account with them.

 

I served 22 years and they told me, only if I signed up while still active, that once I retired, I couldn't. PM a tel# and I'll call to see again. But that is the only reason I don't have them. My younger brother served 21 1/2 years and was told the same. He also took State Farm as a second choice. We both retired approx 1 year apart and both got the same story from USAA. This was a few year back (10+), but will gladly give it another try.

 

State Farm.

FYI to everybody else - there is virtually no insurance companies that will cover HPDE or "non-racing" track events. State Farm's latest policy includes a section that excludes coverage on any surface used for racing. IOW if you're driving on a track, even at 20 mph (touring laps) and get in an accident - you have no coverage.

Check out this thread...
https://my350z.com/forum/autocross-r...insurance.html

 

so, is there an insurance company that covers everything??

 

No. That and other threads on the subject pretty much confirm the trend among insurers to exclude these types of events. Even the specialty companies that were providing insurance are getting out of the business or their rates are so high it not worth the coverage.

 

USAA here. Have been with them for over 20 years but have not really inquired about track coverage. IIRC, as long as they're not "timed' events, insurance companies should cover it. HPDEs will fall into this category. Autocross are timed events but the likelihood of you wiping out is very low. But there was one case last year where a Porsche flowed into several parked cars at the end of an autocross cross (badly designed course).

FWIW, if you have been racing your Z and your name is listed online as a participant in autocross & HPDE events, your name will likely show up if an insurance company investigates and "Googles" your name. Trust me, I've personally Googled my name and it is obvious that I've been participating in track events. The bottom line -- if you can't afford to damage or lose your car, don't play.

 

Im with state farm, I have full coverage. I pay a good bit and I dont think they know that my car is ever at the track... never thought id ask. I do know that with my policy from state farm, IF i were to total the car, I would be able to take any property that wasnt OEM. And if i was allowed to do so, if i had receipts, I would be given the purchase price for those products.

mike

 

yeah i definitely wouldnt mention it to my insurance if i did that, the coverage covers the car, everywhere, and as long as the crash report (which there wont be one of if you dont hit someone else) doesnt say you were 'engaged in a speed contest' then youre good

 

Exactly. Love USAA insurance. I have my house & cars with them. My two old Z cars are with Hagerty Insurance.