HPDE and insurance
#45
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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?
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?
#46
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Originally Posted by Fooshe
JZurita's response is exactly what I was expecting and it only took a couple posting to get it. You see, most people are uninformed and pass their opinion as fact. Or, their insurance company did not cover something, so they assume all companies don't. Well, you know what happens when you assume something...You make and *** out of u & me (***-u-me).
Now I am not ragging on JZurita, I am pointing out that this is common and I blame the insurance industry for not informing the public. That is the whole purpose of my research and publishing what I find.
Now I am not ragging on JZurita, I am pointing out that this is common and I blame the insurance industry for not informing the public. That is the whole purpose of my research and publishing what I find.
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.
#51
Originally Posted by pntfrk69
usaa, lol. i can garuntee its cheaper than anything else out there......you just have to be military to have it :-p lol
So I use my second choice: "State Farm". Pretty good too!
#52
F U StuLax18
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Originally Posted by WSchli1672
"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!
So I use my second choice: "State Farm". Pretty good too!
I did not serve but both of my parents did and I have a completely separate account with them.
#53
Originally Posted by davids
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 did not serve but both of my parents did and I have a completely separate account with them.
#54
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
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
#55
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Originally Posted by DavesZ#3
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
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
#56
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.
#57
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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.
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.
#58
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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
mike
#59
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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
#60
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Originally Posted by davids
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 did not serve but both of my parents did and I have a completely separate account with them.