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06-26-2013, 09:16 AM | #67 | |
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07-03-2013, 08:07 AM | #68 |
Track? What Track? I was just riding along . . .
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Things I saw at an HPDE this weekend: Aftermarket wheel on an instructor's car separated from the bolt ring at the spokes (just broke apart), so he was driving on three wheels. Also saw front left suspension on another instructor's car tear free from its mounting, so he was driving on three wheels.
So don't kid yourself nothing bad ever happens at HPDE. |
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01-01-2014, 06:47 PM | #70 | |
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The big warning I would give anyone on this topic is EACH STATE IS SPECIFIC IN WHAT THEY COVER AND DON'T COVER. I have seen this mistake made many times in that someone in North Carolina says they are covered and someone in NV thinks they are covered because the same company insures them. I have researched the hell out of this because this is what I do for a living and the best advice I can give anyone is READ YOUR SPECIFIC POLICY. If you don't want to or can't send it to me and I will do it for you. There are specific places to look for the answer. |
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01-01-2014, 06:56 PM | #71 | |
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They can decline to write a policy if they know you are going to do something that drastically increases you as a risk, but the rest of the story is on that has been spread like the one about worker's peeing in bottles of Corona at the mfg'ing plant. That being said, photos are taken of cars on track all the time and covering your plate does take away one form of identifying your car. There would be nothing from stopping an investigator from going onto to the site of the track photographer and looking at what they shot. |
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01-01-2014, 07:00 PM | #72 |
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Not really. The method of settlement of your claim is not always spelled out on a website. Look at the policy and read it. All companies use market value. KBB and Edmunds are guides...they even tell you that in their disclaimer. Look at your local market for a like kind of car with similar options and miles on it. The premise is that the insurance company put you back where you were before the loss took place.
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01-01-2014, 07:07 PM | #73 | |
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I still can't find one and I think WSIB is no longer in business. I was told that they were bought out by another company in August of this year, but I have not confirmed that. |
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01-01-2014, 08:12 PM | #74 | |
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But again, read your specific policy!
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02-26-2014, 02:40 PM | #75 |
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You might want to check with them. I emailed them last month about this because a co-worker believes he is covered. I told them I was interested in switching to Amica for this reason but wanted to confirm with them. I explained what an HPDE was and made it clear that there is no competition or even timing. They called back and said that they "absolutely do not cover this type of event".
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02-27-2014, 07:54 AM | #76 | |
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But frankly this is one of those things that I don't want to have a record on my file with them indicating that I called to ask and was told no, because that would make any claim that much more difficult. The policy's wording is on my side, so even if it would be a hassle to get the claim paid, I don't expect that end result to change.
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Gone but not forgotten: '11.75 M3 E92 Le Mans | Black Nov w/ Alum | 6MT (owned 5/2011 - 11/2015) Last edited by jphughan; 02-27-2014 at 08:05 AM.. |
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08-01-2014, 03:47 PM | #77 |
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05-12-2017, 09:45 AM | #80 |
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Lockton seems pretty popular with the groups in my area. Never had to file a claim fortunately, but the rate and coverage seems reasonable/on par with other companies.
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05-16-2017, 02:20 PM | #81 |
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I used to use Lockton but they started putting lots of additional exclusions (HPDE-4 NASA not covered, certain tracks not covered).
Switched to RLI. They offer coverage for time trials, which is great. Also, you don't have to find the specific track day organizer - you can specify meaning you can use this policy for private track days. I cover my e92 for 35,000 and that costs about $200 for non time trial, $240 for. My M4 costs about $600 for non time trial, 1-3 days for $88,000.
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05-16-2017, 04:14 PM | #82 | |
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Interesting, thanks for sharing the info on RLI. You're saying that $35,000 of coverage with RLI sets you back about $200 per track day, and $88,000 is around $600? Do they offer any sort of multi-day or season discounts?
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05-16-2017, 04:27 PM | #83 | ||
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05-16-2017, 09:35 PM | #84 |
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Great, but for one-day events, you lose that value proposition.
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04-23-2018, 07:58 AM | #87 |
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I'm actually looking at The Open Track now. They are a bit more focused on high-value policies, but offer full-season pricing which is nice since I get the flexibility to go as often as I want (which also amortizes the premium across more events). Also a slightly lower deductible than the others.
https://www.theopentrack.com/
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04-29-2018, 05:37 PM | #88 | |
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