Insurance and coverge. - Toyota GR86, 86, FR-S and Subaru BRZ Forum & Owners Community

firl21 · 06-07-2013, 03:54 AM

I have a few questions about cars and insurance.

I Want to AutoX but im not sure if my insurance company would keep covering my car if I where to participate in it. Also I want to mod my car and drop in a sparco seat and replace the wheel with a sparco wheel. What kind o legal/insurance implications would there be with removing the bomb(airbag) from the car.
Also do they make motor sport policies that cover you on the track. this way i have a back up if something happens

smbstyle · 06-07-2013, 08:29 AM

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

I use them all the time

Dave-ROR · 06-07-2013, 09:03 AM

Airbag wise, it depends on your state. By Federal law, the vehicle owner can remove a safety device (but a shop legally can not). However, state laws vary.

On the Insurance side, removing the air bag could result in a denied claim.

However, Autocross is already going to be a denied claim (even more than an HPDE) since it's a timed competition event.

Dave-ROR · 06-07-2013, 09:04 AM

Quote:

Originally Posted by smbstyle

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

I use them all the time

I do also (on the BRZ but not the other cars anyways) but he was looking for autocross related info. I don't believe Lockton Affinity offers track insurance for autocross events, but maybe..

smbstyle · 06-07-2013, 09:26 AM

Quote:

Originally Posted by Dave-ROR

I do also (on the BRZ but not the other cars anyways) but he was looking for autocross related info. I don't believe Lockton Affinity offers track insurance for autocross events, but maybe..

Your right, they dont offer insurance for auto-x. I saw he said "track" so I figured HPDE.

I can't imagine too much occurring at an auto-x event... having orange cone polished off of your front bumper and doors probably will fall under your deductible lol

mla163 · 06-07-2013, 11:16 AM

You are not going to do anything that would require car insurance at an autocross. Even if something bad happens, the cost of the insurance would probably be prohibitive.

Bad things do happen. I've seen a few accidents, but that was due to people being dumb (wheels falling off, off-courses resulting in body damage). In those cases, the repairs were covered through a mutual agreement or out of pocket.

There is track insurance, which may not be a terrible idea. But autocross damage has never worried me.

Rejor11 · 06-07-2013, 03:52 PM

Did some searching for this, took awhile..

Chizmark larson insurance. They cover cars for track days, not just hpde events. Im about to talk to them to get a quote since i attend open lap days at the local track. Ill let you know how it goes.

Rejor11 · 06-07-2013, 03:52 PM

http://www.chizmarklarson.com/section5.cfm

Rejor11 · 06-07-2013, 04:15 PM

Seems like itll be too cost prohibitive. Insuring this car for 30k would be about 500 per event

ATL BRZ · 06-07-2013, 04:46 PM

With Lockton I insure my BRZ for 30k worth of coverage against damage on track and in the paddock at two-day HPDE events for around $150 before taxes and processing fees. Comes out to about $175 total in my state. Totally worth it. I wouldn't track my car without it.

xwd · 06-07-2013, 05:13 PM

Autocross I wouldn't worry about it too much. They aren't going to drop your coverage for participating in one and I've rarely heard of people not being covered when accidents do occur at them, and autox accidents are very rare.

I wouldn't remove the steering wheel airbag on a street driven car, and on our cars which have decent seats there isn't much reason for going to a fixed back seat either. Chances are if you were in an accident and the insurance company found you had removed them, they may not cover your medical expenses.

Flat Black VW · 06-07-2013, 05:21 PM

This thread has got me thinking that I may want to start an insurance company that covers cars for auto-x events only. I feel like I would make a killing as long as I have some small print stating I dont cover cone damage.....

06-07-2013, 03:54 AM	#1
firl21 Banned Join Date: Mar 2013 Drives: Scion FRS in hot lava Location: Alpharetta Posts: 57 Thanks: 1 Thanked 15 Times in 13 Posts Mentioned: 3 Post(s)	Insurance and coverge. I have a few questions about cars and insurance. I Want to AutoX but im not sure if my insurance company would keep covering my car if I where to participate in it. Also I want to mod my car and drop in a sparco seat and replace the wheel with a sparco wheel. What kind o legal/insurance implications would there be with removing the bomb(airbag) from the car. Also do they make motor sport policies that cover you on the track. this way i have a back up if something happens

06-07-2013, 09:03 AM	#3
Dave-ROR Site Moderator Join Date: Dec 2010 Drives: Stuff Location: Florida Posts: 10,317 Thanks: 955 Thanked 5,965 Times in 2,689 Posts Mentioned: 262 Post(s)	Airbag wise, it depends on your state. By Federal law, the vehicle owner can remove a safety device (but a shop legally can not). However, state laws vary. On the Insurance side, removing the air bag could result in a denied claim. However, Autocross is already going to be a denied claim (even more than an HPDE) since it's a timed competition event. __________________ -Dave Track cars: 2013 Scion FRS, 1998 Acura Integra Type-R, 1993 Honda Civic Hatchback DD: 2005 Acura TSX Tow: 2022 F-450 Toys: 2001 Chevrolet Corvette Z06, 1993 Toyota MR2 Turbo, 1994 Toyota MR2 Turbo, 1991 Mitsubishi Galant VR-4 Parts: 2015 Subaru BRZ Limited, 2005 Acura TSX Projects: 2013 Subaru BRZ Limited track car build FS: 2004 GMC Sierra 2500 LT CCSB 8.1/Allison with 99k miles

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06-07-2013, 08:29 AM	#2
smbstyle Senior Member Join Date: Apr 2013 Drives: 2013 SWP BRZ Location: Forsyth, GA Posts: 1,008 Thanks: 224 Thanked 681 Times in 302 Posts Mentioned: 26 Post(s)	Track insurance: http://locktonmotorsports.com/product/track-insurance/ I use them all the time

06-07-2013, 11:16 AM	#6
mla163 Overthinking it Join Date: May 2012 Drives: BRZ in CS Location: DC Posts: 271 Thanks: 27 Thanked 81 Times in 48 Posts Mentioned: 1 Post(s)	You are not going to do anything that would require car insurance at an autocross. Even if something bad happens, the cost of the insurance would probably be prohibitive. Bad things do happen. I've seen a few accidents, but that was due to people being dumb (wheels falling off, off-courses resulting in body damage). In those cases, the repairs were covered through a mutual agreement or out of pocket. There is track insurance, which may not be a terrible idea. But autocross damage has never worried me.

06-07-2013, 03:52 PM	#7
Rejor11 Member Join Date: Jun 2012 Drives: Mini Cooper Location: Jacksonville, FL Posts: 90 Thanks: 1 Thanked 28 Times in 15 Posts Mentioned: 0 Post(s)	Did some searching for this, took awhile.. Chizmark larson insurance. They cover cars for track days, not just hpde events. Im about to talk to them to get a quote since i attend open lap days at the local track. Ill let you know how it goes.

06-07-2013, 04:15 PM	#9
Rejor11 Member Join Date: Jun 2012 Drives: Mini Cooper Location: Jacksonville, FL Posts: 90 Thanks: 1 Thanked 28 Times in 15 Posts Mentioned: 0 Post(s)	Seems like itll be too cost prohibitive. Insuring this car for 30k would be about 500 per event

06-07-2013, 04:46 PM	#10
ATL BRZ TEQSPORT Brand Manager Join Date: Jun 2012 Drives: '24 GR86 + '16 FR-S Location: Atlanta Posts: 3,666 Thanks: 3,725 Thanked 4,137 Times in 1,707 Posts Mentioned: 90 Post(s)	With Lockton I insure my BRZ for 30k worth of coverage against damage on track and in the paddock at two-day HPDE events for around $150 before taxes and processing fees. Comes out to about $175 total in my state. Totally worth it. I wouldn't track my car without it.

06-07-2013, 05:13 PM	#11
xwd Senior Member Join Date: Feb 2012 Drives: 2013 DGM Subaru BRZ (Subie #9) Location: ATL, US Posts: 2,667 Thanks: 123 Thanked 861 Times in 552 Posts Mentioned: 32 Post(s)	Autocross I wouldn't worry about it too much. They aren't going to drop your coverage for participating in one and I've rarely heard of people not being covered when accidents do occur at them, and autox accidents are very rare. I wouldn't remove the steering wheel airbag on a street driven car, and on our cars which have decent seats there isn't much reason for going to a fixed back seat either. Chances are if you were in an accident and the insurance company found you had removed them, they may not cover your medical expenses.

06-07-2013, 05:21 PM	#12
Flat Black VW Senior Member Join Date: Jun 2012 Drives: 2013 Subaru BRZ Location: NOVA Posts: 894 Thanks: 227 Thanked 343 Times in 202 Posts Mentioned: 8 Post(s)	This thread has got me thinking that I may want to start an insurance company that covers cars for auto-x events only. I feel like I would make a killing as long as I have some small print stating I dont cover cone damage.....

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