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04-29-2018, 05:57 PM | #89 |
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Can you explain? Do their policies have something explicit that says any sort of "timing" disqualifies the event from coverage? Would that mean that activating my car's built-in data recorder negates my coverage?
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05-02-2018, 12:26 PM | #90 | |
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In the track policy I have, they have very specific definitions: "“Driver Education Event” means a safe driving program that includes classroom education, technical inspection, and on-track exercises. The event’s primary purpose is to improve the “covered driver’s” driving skills in a safe learning environment and under controlled conditions. A “driver education event” does not include “non-competitive time trials” or “competitive time trials” unless endorsed. 10. “Non-Competitive Time Trial” means an on track exercise during which the lap times of “scheduled automobile” are recorded for the personal use of the “covered driver”, but not for any competitive purposes. 11. “Competitive Time Trial” means an on track exercise during which the “covered driver” is competing against other participants, either on the track simultaneously or via timed runs, where placement or time is used to determine prizes of any sort or value, or where placement or time is used to accumulate points, standings, or rankings of any sort at the event or in an ongoing competition or series." Fortunately, in my case, I had competitive time trial coverage. I would assume that the insurance companies would go to rigorous lengths to determine that you weren't cheating them, including checking your social media to see if you've posted videos with timing data, talking with the event organizer. For me, I had to get a track incident report from the event organizer so they could determine coverage. Many of the track organizers in California will post your timing data if you rent a transponder - that could be used to disqualify you, for example.
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05-14-2018, 11:19 AM | #91 | |
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05-14-2018, 02:51 PM | #92 | |
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From the beginning, we've pushed our insurers to not have restrictive or exclusionary language related to timing. If you use Harry's Lap Timer, an AiM system, etc, that will not trigger any limitations or exclusions in coverage on our policy. We do offer Time Trial coverage as an option to your HPDE/Time Trial policy, but that option only needs to be selected when it is a true Time Trial event. If the event organizer administers timing and the event is competitive, you need to add the "time trial" option to your policy to ensure coverage with us. I hope that helps. Have a great season and keep the shiny side up! Ryan
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05-14-2018, 03:36 PM | #93 | |
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05-23-2018, 02:14 PM | #94 |
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Good news - OpenTrack does not considering self-timing to be competition! If you're doing lots of events per year, their flat full year coverage and multiple car policy is a no brainer to me IMO. They are also the only ones that I can see carry liability insurance along with their policy too.
Just finishing up my RLI track insurance claim and the process has been completely painless. Would recommend them for time-trial coverage all day.
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04-23-2019, 12:41 PM | #95 |
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about to sign up for 1-day track insurance with RLI
glad to see some positive feedback about the company in here
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04-23-2019, 01:33 PM | #97 |
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RLI is also the cheapest for me, even when adding club discounts. Luckily, I've had no claims.
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02-14-2023, 03:11 PM | #98 |
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Hoping to resurrect this topic, as I’m now looking at track day insurance. I’ve done around 10 days with no close calls, but with some experience now, I’m wanting to push the car a little harder.
I’ve done some research on the following (E92 M3 30k car value + 5k mod value): Hagerty/RLI $231- 15% deductible Open track $320- 10% (annual 260.97 5% deductible) Lockton Motorsports-BMWCCA 10% discount- $227 (15% deductible Has anyone had to file a recent claim? How did it go? -Steve |
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02-14-2023, 11:01 PM | #99 | |
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Track insurance makes sense if you can't walk away from a crash + misc fees (towing, damages to the track).
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02-15-2023, 05:59 PM | #100 | |
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I hope your claim gets resolved soon! |
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02-16-2023, 11:56 AM | #101 | |
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I would have no hesitation with Opentrack/RLI/Hagerty/Lockton. Do look at their fine print, some do not support open groups. I know OpenTrack does not support Sonoma unless you go with their annual policy which sucks for me since I don't go that often.
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02-22-2023, 11:07 PM | #102 |
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Opentrack has been great to work with. While I’ve never filed a claim, they’ve been great about responding to questions and helping understand when you’re in a competitive time trial situation that is not covered.
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01-11-2024, 12:18 PM | #103 |
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Thanks everyone for this information. Very helpful!
Just purchased an RLI 1-day policy for this weekend based on the input given here. $290 for the day with $40k coverage feels worth it. |
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08-28-2024, 08:48 AM | #104 |
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dealing with a claim with ontrack right now, and so far it's not awesome. we'll see how it shakes out.
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08-28-2024, 10:02 AM | #105 |
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08-28-2024, 11:14 AM | #106 |
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09-03-2024, 12:15 PM | #107 |
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going to keep specifics a little vague for the time being, but basically the shop (bmw certified, owned by the dealership) appraised the damage at ~75% of the car's value, and the insurance co's at 25%. they've "directed their appraiser to work directly with the shop to come to an agreement." This was over a week ago, and their adjuster has gone MIA. It's coming up on a month since the incident and I'm still working through this.
The repair cost disparity isn't from parts or labor, for overlapping things those line up pretty well. It's just the adjuster is disregarding a huge chunk of the damage even though it's painfully obvious. We'll see how it shakes out I guess?
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09-05-2024, 12:47 PM | #108 |
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update on ontrack: after dragging their feet for a while, i got the claims rep on the phone again, and they've agreed to total the car. we'll see how long it'll take to actually get payment, but fingers crossed. hard to tell if the issue was some attempt at tomfoolery or a bad independent appraiser.
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09-16-2024, 11:14 AM | #109 | |
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09-16-2024, 01:00 PM | #110 |
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thanks. ironically, this incident put me back into my E90. I picked up a G82 for dual duty, and had a bad off at Road America in the kink. The E90 was sitting for sale and is now back to being my full time track car. Maybe it was meant to be lol.
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