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Discussion Starter #1
I know this topic has been approached a bit, but I can't seem the find the answer "I" want to hear. Other than dragging my carcass and bike outside the track in the event I lowside,etc. does anyone know specifically about State Farm insurance in cali covering a loss during a track day? If not, anyone hear about special track day insurance? (not sure if it exists, but if you can buy ins to go accross the Mexican border, track days have to be safer!!
) Thanks
 
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Re: Track days Insurance (blkeh20)

Not sure about California, but State Farm in Michigan does cover damage that occurs at a track day as it is not a competition event. You should check with your agent to confirm you would be covered under your policy though.
 
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Re: Track days Insurance (blkeh20)

I would NOT call and give your Ins Co your name while inquiring about track day coverage - it may be preamble to you getting dropped. Call annonymously, inquire about their coverage exclusions and that's it. Some carriers will drop you outright for simply inquiring.
 
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Re: Track days Insurance (hubert)

Thanks Guys for your responses. My agent's office is pretty small and we all know each other so I'm trying to avoid even calling to check. Still got some time though, my tack day isn't until March, so maybe I can save for spare parts till then
Thx again
 
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Re: Track days Insurance (hubert)

I should not matter whether you give them your name or not, and I would not go by what an insurance agent says....at least not until you've Read Your Contract

....If special events or track days it's not specifically listed as being not covered, look for anytype of ambiguous clauses or statements. If none, then confront your insurance company. But load-up with ammunition by being familiar with your contract.

Good Luck.
 
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Re: Track days Insurance (blkeh20)

<TABLE WIDTH="90%" CELLSPACING=0 CELLPADDING=0 ALIGN=CENTER><TR><TD>Quote, originally posted by blkeh20 »</TD></TR><TR><TD CLASS="quote">Thanks Guys for your responses. My agent's office is pretty small and we all know each other so I'm trying to avoid even calling to check. Still got some time though, my tack day isn't until March, so maybe I can save for spare parts till then
Thx again</TD></TR></TABLE>

What you should do is read your policy from front to back and be sure to read and understand the specific clauses and exclusions that are listed therin; the point is, you agent may say one thing, but if word spreads to underwriting, then you're screwed - and the language in your policy and the exclusions are worded by the underwriters, therefore, they set the rules.
 
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Discussion Starter #7
Re: Track days Insurance (hubert)

Your'e albsolutely right. I've read pretty thoroughly and haven't seen any clauses or fine print, but I know if/when a claim would go through, it's a diff animal. I'll cross my fingers and hope I don't low side too bad
 
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Re: Track days Insurance (blkeh20)

I have placed a claim with Progressive that was a total of my 748. It's a "rider school" held at XXX raceway. They had no problem with the claim. I didn't offer any extra info either. Just the facts and as few as possible.

READ your policy.

Have fun!
 
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Re: Track days Insurance (jcs182)

My State Farm policy specifically excludes coverage if one is racing or training for racing. Track days could be a matter of interpretation. Most of what I've heard is that they may cover you - once. After that claim they'd drop you immediately.
 
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