Quote:
Originally Posted by mdm
Well, if it is NORMAL in autocross then obviously insurance companies SHOULD drop these people or, as I said, develop a "certain specific forms of racing allowed" policy to cover this.
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And some insurance companies do have that, as evidenced by the letter posted above. However, the time to deal with that issue is
before you race, not when you're being dropped because you didn't bother to get an understanding of your policy.
Quote:
Originally Posted by mdm
... either spinouts and crashes are normal on autoX and unusual on street, like you're saying...
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No, that's not what I'm saying. I'm saying that the kind of driving that would be considered reckless on the street is considered normal in autocross. Reckless driving is prohibited on the street because of the increased risk of damage. That kind of driving is considered normal in autocross, even though the risk of damage is increased by driving that way.
Either one increases the risk of claims resulting from this type of driving. None of the accidents in the videos I posted above would have happened had the drivers not been driving aggressively. It's reasonable for an insurance company to consider that risk in determining whether to insure you.
Quote:
Originally Posted by mdm
Also, autocross is advertised like this
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That doesn't necessarily make it true.
Please note that I'm not saying that autocross is inherently
dangerous. I'm saying that there is risk associated with any sort of racing, where you push the car and the driver to the limit, that would not be present if you don't race. The insurance company is insuring you based on their understanding of your risk profile. If you do something to increase the risk, you should expect to either pay more or be dropped, at the insurance company's discretion.