Insurance companies forced to cover track day damages?

[ayau]

I think a good rule of thumb is, if you can't afford to roll your car off a cliff, then don't track the car unless you have track insurance. It's the reason why I bought a cheap Integra to track instead of my BRZ. If I track my BRZ, it'll have track insurance.

[7thgear]

Originally Posted by Marchy

they don't care how you do it, you're at fault and will pay out when you're up for renewal.

that's not the issue is not about premiums, it's about whether a rolled or severly damaged car at a "timed" (ie, speed test/racing) will even get repaired by standard Canadian insurers.

[Khyron686]

Originally Posted by 7thgear

that's not the issue is not about premiums, it's about whether a rolled or severly damaged car at a "timed" (ie, speed test/racing) will even get repaired by standard Canadian insurers.

If a guy gets drunk and drives his car into a house, he's covered right?

I wouldn't fault a guy for lying about being timed on a track or not, assuming he didn't do it on purpose and paid the deductible IMO.

[bruce]

I am a broker and have called a senior adjuster with royal and will post the answer. my guess is like Aviva, most companies would deny coverage and let you sue them. they would probably know they would lose if the Aviva case is real, but they would still want you to sue them. since each case is different they would hope for the best.

[bruce]

I called 3 companies and they said they would deny the claim and if the insured had the balls to sue them they would consider paying the claim depending on the claim and circumstances. they don't like going to court as judges could be frs/brz owners who lap!!

[TjAlmeida]

Getting a lot of mixed answers. I would like to hear someone who is a canadian adjuster. I know in BC, ICBC is full crock of shit. Interesting topic, Many friends have said no to going with me because no insurance. Might call one of these days and inquire about where the grey area is. If it is true and you can claim it as long as you are not timed/race event and you are just tracking. I can see how one might get away with it.

[wparsons]

Originally Posted by Khyron686

If a guy gets drunk and drives his car into a house, he's covered right?

If you're charged with DUI, nope.

I know someone that wrote off a car, which the insurance paid out for, when he was found guilty of DUI (he was charged at the scene, but fought it) the insurance company sent him a bill for every cent they had paid out for the accident (which was legally binding). Luckily for him he didn't hit anyone else, so he was only out whatever they paid for writing off his car.

[bruce]

wp is right in that the insurance co would pay for all damages to the third party , wouldn't pay for the insureds car that was written off , but yes would bill the insured for all damages paid on their behalf. we paid out over 400,000 for an accident from an unlicensed drunk driver driving my insureds car. she wasn't even in the car but got billed the entire 400,000 for the damages and lost her house. ouch, but it reminds us to be sure who we lend our cars to are licensed. happens all the time cuz who checks to see if their friend is actually licensed?

[Tcoat]

Originally Posted by TjAlmeida

Getting a lot of mixed answers. I would like to hear someone who is a canadian adjuster. I know in BC, ICBC is full crock of shit. Interesting topic, Many friends have said no to going with me because no insurance. Might call one of these days and inquire about where the grey area is. If it is true and you can claim it as long as you are not timed/race event and you are just tracking. I can see how one might get away with it.

You will get nothing BUT mixed answers on here as everybody seems to think their rules "must" apply to everybody else. It is pretty clear that this is not the case. I think the answer has been accurately given for Ontario above but I believe that BC's rules are radically different (I KNOW Alberta's are). The best bet is to ask a real expert in your province/state to get the actual answer. To say "But I read it on a forum" is NEVER going to work with your company!!!!!!

[BRZZZZZZZZZZ]

I will definitely be purchasing insurance next time I go lapping, just because I would rather pay $170 extra a couple times a year then chance losing $40k worth of car and mods...

[bruce]

i agree you should just buy track insurance. it is clear the companies in all provinces would deny first then pay if forced by a court but believe me if they pay you will be cancelled then get to pay psycho rates in the facility or non standard market. yea yea they may pay but if above contributor is correct that track insurance is $170 then one would be stupid/too cheap not to buy it. I deal with the companies daily and their mindset and people interpreting rules are less than brilliant at best. adjusters pay what they must not what they should.

[Wilso]

Originally Posted by evomike

plus everyone is nice in canada there is no way they'll think you are lying

I wouldn't say everyone lol

[Wilso]

This is why I won't track my BRZ /sigh

[wparsons]

If you drive smart and within your limits with a responsible group, you have nothing to worry about. Just be careful what groups you lap with and you'll be fine.