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Old 04-11-2016, 05:06 PM   #29
FR-Sky
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medicare and insurance,,they are leeches man.
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Old 04-11-2016, 05:07 PM   #30
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This sucks. Thats why, I dont get personal with my insurance company n tell them what I do with the car or in the car...

Plus, another reason to tap the plates with masking tape whenever taking part in an event.
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Old 04-11-2016, 05:30 PM   #31
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medicare and insurance,,they are leeches man.
Or your helpful, friendly, eager to help government could require you to have 150k in cash in escrow to be able to drive.
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Old 04-11-2016, 06:42 PM   #32
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This sucks. Thats why, I dont get personal with my insurance company n tell them what I do with the car or in the car...

Plus, another reason to tap the plates with masking tape whenever taking part in an event.
Insurance Companies.
Border Guards.
Airport Security


All people you answer yes and no and keep your mouth shut for anything else.
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Old 04-11-2016, 06:43 PM   #33
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Or your helpful, friendly, eager to help government could require you to have 150k in cash in escrow to be able to drive.
Or way more for liability! Medical bills are expensive.
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Old 04-11-2016, 07:03 PM   #34
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Old 04-11-2016, 08:14 PM   #35
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That's unsettling. I have Geico, but I haven't autocrossed yet. I plan on reading over my policy and see if I can find that clause.


We have a performance driving class at the local police academy where they set up cones and teach you how to negotiate obstacles and such in varying conditions. They even soap the course to help you learn how to recover. This is also something I have considered.


So, if Geico would view this activity as "racing" and even think about dropping me for participating, then I might drop them first.


I would contact your local agent and explain autocross is a safe event that makes you a better, safer driver.
Just don't be a knob and don't tell your insurance you're using it to race. That was pretty dumb.
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Old 04-11-2016, 08:27 PM   #36
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Just don't be a knob and don't tell your insurance you're using it to race. That was pretty dumb.

Yea, that's standard practice over phones and such, Geico is very very well known for pulling that crap there are multiple proven cases on reddit. In some cases with teenagers learning to drive they would add them onto policies without the permission of the parents even though they only drive the vehicle to practice.
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Old 04-11-2016, 08:43 PM   #37
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Just FYI to all-
Every state has aN Insurance Comissioner (they may different titles in some states) Their responsibility is to prevent abuses by insurance providers. Mostly they review rates and rate requests, but they have a broader responsibility to keep insurance companies in check.

How consumer-friendly they are varies widely from state to state. but here in NC I assure you they are very much advocates for consumers. If you report a suspected violation or unfair practice, the Comission will definitely investigate, and often admonish or discipline an insurance company.

If you have a conflict with your insurance provider, and feel you have been treated unfairly, it could be well worth your while to contact your state Department of Insurance.
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Old 04-11-2016, 08:56 PM   #38
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medicare and insurance,,they are leeches man.
I certainly am no fan of insurance companies, but I have to strongly disagree with your criticism of Medicare.

I suspect you are not a Medicare benificiary. But I am. Most of us seniors are pretty crochety, and bitch about most every thing. But I don't know a single senior citizen that is unhappy with Medicare.

I'm 74 years old Generally healthy, but see my GP at least once a year. I also see a cardiologist and a pulmonologist. I had an extensive surgery on my hand several years ago. I have had cataract surgery. If I get sick on a weekend and can't see my regular doc, I go to a walk-in clinic. I pay nothing for any of that.

Medicare has never denied or even questioned any claim. And I don't even have to file them, the providers do.


If the Obama administration had expanded Medicare to provide universal coverage instead of the ACA, I doubt it anybody would be complaining.
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Old 04-11-2016, 09:59 PM   #39
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I'm not at all shocked by the refusal to renew. Insurance companies make decisions based on risk. Racing raises the risk, even autocross. When the expected value in claims due to the risky behavior or condition exceeds a certain percentage of the premium, they're not going to renew.

Consider this: The insurance company would much rather keep you as a customer. That's how they make money. If they drop all their customers, they have no income. So if they drop a customer, they usually have a pretty good reason for doing so.

I'm a little puzzled why people are saying this is not racing. You may not be out there side by side trading paint, but you're still competing on time, which means you'll push the car and your own driving abilities harder. The way that insurance policy defines racing, autocross definitely falls within their definition. And autocross definitely carries an increased risk over normal driving:

Corvette Crashes During An AutoCross Event - YouTube
http://www.youtube.com/watch?v=aSc_j9xnKBg&t=0m25s
Corvette Crashes at Autocross and HITS a SPECTATOR. - YouTube
My personal favorite:

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Old 04-11-2016, 10:18 PM   #40
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I certainly am no fan of insurance companies, but I have to strongly disagree with your criticism of Medicare.

I suspect you are not a Medicare benificiary. But I am. Most of us seniors are pretty crochety, and bitch about most every thing. But I don't know a single senior citizen that is unhappy with Medicare.

I'm 74 years old Generally healthy, but see my GP at least once a year. I also see a cardiologist and a pulmonologist. I had an extensive surgery on my hand several years ago. I have had cataract surgery. If I get sick on a weekend and can't see my regular doc, I go to a walk-in clinic. I pay nothing for any of that.

Medicare has never denied or even questioned any claim. And I don't even have to file them, the providers do.


If the Obama administration had expanded Medicare to provide universal coverage instead of the ACA, I doubt it anybody would be complaining.
I didnt criticize,,i am using metaphor lol. I do have medicare beneficial, which i have to pay for it. I am paying for something every month which i dont need, but its required. Now, I am using company's insurance because

"Medicare doesn't cover most dental care, dental procedures, or supplies, like cleanings, fillings, tooth extractions, dentures, dental plates, or other dental devices"

However, I know great amount of people who deserve medicare but got rejected because they are middle class. You might get your medicare beneficial which is awesome. However, not all the people have that beneficial.
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Old 04-11-2016, 10:19 PM   #41
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The solution is really quite simple: 1) Obtain supplemental coverage for non-standard driving practices and events or 2) Stop posting everything online for the world to see.

Whether or not the insurance company is morally or ethically correct about the inherent risks of autocrossing or HPDE participation is irrelevant, as unfortunate or misinformed as that may be. What matters is that they are legally correct (assuming the information in the article is accurate). And as a private enterprise, they have every right to exercise their rights. Just as we drivers have every right to seek out alternative insurance coverage that satisfies our requirements.
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Old 04-11-2016, 10:52 PM   #42
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Insurance Companies.
Border Guards.
Airport Security


All people you answer yes and no and keep your mouth shut for anything else.
Exactly, answer their questions with the bare minimum.
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