Insurance companies forced to cover track day damages?

[DaDr00]

Originally Posted by robwbright

If you're talking HPDE, Why not just do this and not worry about it?

http://www.ontrackinsurance.com/quick-quote.aspx

If you're a club member, the estimate when I ran it is $170 for two consecutive days for $25,000.00 coverage.

That's a lot cheaper in time and money than filing a lawsuit.

Exactly this.

Also some other options:

http://locktonmotorsports.com/product/track-insurance/

http://www.lelandwest.com/eligibility/

As the saying goes: Race only what you can afford to blow up. Otherwise run track insurance.


Edit: The insurance companies that I added may or may not insure in Canada. Didn't see the subforum.

[7thgear]

Originally Posted by Wilso

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

the only reason that you should not track your vehicle is if its loss would prove to be catastrophic to your daily routine or finances.


While I would definitely cry if my FRS burned to the ground tomorrow, I could weather through it.


this chronic fear of the insurance companies is crippling to the scene.


you bought a sport(ty) car, drive it!

[Wilso]

Originally Posted by 7thgear

the only reason that you should not track your vehicle is if its loss would prove to be catastrophic to your daily routine or finances.


While I would definitely cry if my FRS burned to the ground tomorrow, I could weather through it.


this chronic fear of the insurance companies is crippling to the scene.


you bought a sport(ty) car, drive it!

Yeah, I wouldn't be able to really afford any major damages, and fighting with insurance is something I'd rather not do! I take it on nice windy roads here and there.. Been really wanting to take it up to the Collingwood area though!

[7thgear]

Originally Posted by Wilso

Yeah, I wouldn't be able to really afford any major damages, and fighting with insurance is something I'd rather not do! I take it on nice windy roads here and there.. Been really wanting to take it up to the Collingwood area though!

there's always autocross

[Wilso]

Originally Posted by 7thgear

there's always autocross

That's true too!

[BRZZZZZZZZZZ]

Accidents happen at auto x as well. I have seen 2 vehicles written off at two separate events unfortunately.

[7thgear]

Originally Posted by BRZZZZZZZZZZ

Accidents happen at auto x as well. I have seen 2 vehicles written off at two separate events unfortunately.

i've done more damage to my car outside of autocross/track than in it..... having said that...




i've seen experts do serious damage to their cars from seemingly silly mistakes


i've seen complete novices escape catastrophic results by sheer luck


i've missed a truck sized haybale wrapped in plastic by mere inches traveling at 80kph


i've cracked the oilpan of a friend's car hopping a curb after flying sideways through the grass


i've spun more times in the wet while doing a good speed than I care to remember


i've forgotten to tighten lugnuts before going on the track


i've driven 2 hot laps with a deflated tire before realizing that the back end snapping on me was probably something I should inspect




that's just the things I can remember in the last 5 minutes, the list can go on and will grow exponentially if I start mixing in the experience of others.








at the end of the day shit will happen, there is a certain level of increased probability of shit happening while you're out on the track, but at the same time there is still a very real danger of shit happening OFF the track.


like in my case. To this day, the vast majority of body or mechanical damage i've suffered as a result of things that happened on the street, daily driving, yet i've come very close to serious accidents while on the track, although it's safe to say that 99.9% of that was entirely my fault.




so really it's a matter of perspective


and you can either tether on the safe side or the brazen side, entirely up to you.

[James H]

Originally Posted by evomike

when you call the claim in they will ask what happened you can tell them you rolled it and had someone tow it to your home or shop, an adjuster will be assigned to it and look at it and say yup it was rolled and write you an appraisal. denying a loss gets tricky they have to be able to prove without question that what you say did not happen. as long as your story makes sense you will be good, think about it people crash their cars all the time get it home then call a claim in its nothing different.

Its easy until you are the one they select to investigate further and if you signed papers to say something which did not happen, you are into fraud territory. and if you choose to stick with your story and it goes to court, you are looking at lying under oath (perjury or obstruction of justice) which is criminal. IMHO not worth it.

[wparsons]

Originally Posted by James H

Its easy until you are the one they select to investigate further and if you signed papers to say something which did not happen, you are into fraud territory. and if you choose to stick with your story and it goes to court, you are looking at lying under oath (perjury or obstruction of justice) which is criminal. IMHO not worth it.

They'll also likely ask why there's no police report if the car rolled on a public road.

[RFB]

Originally Posted by evomike

you don't need a police report for an insurance claim

EXCEPT - (in Bantario )

Fail to Report Accident – Highway Traffic Act 199.1
When involved in an accident, drivers are required to report the accident to the police forthwith, where there is personal injury or damage over two (2) thousand dollars.

Penalty for Failing to Report an Accident is:
three (3) demerit points
fine up to one thousand ($1000.00) dollars
conviction registered on the driving abstract for 3 years.
dramatic increase in insurance rates

It don't take much damage nowadays to add up to 2 grand.

[Tcoat]

I think the same requirement will apply to most if not all of the other Provinces and States.
Can't imagine that in this day you can roll your car and just tow it home and collect insurance. I also can't imagine the abuse that system would take.

[Tcoat]

LOL I just realized that James has resurrected a 5 year old debate. At least Evomike is still around!

[Jordanwolf]

[Ultramaroon]

Originally Posted by Tcoat

LOL I just realized that James has resurrected a 5 year old debate. At least Evomike is still around!

I'm glad he did because Evomike is funny.

Originally Posted by evomike

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

lol