| Author | Message | ||
     Sslowmo |
well, i have AAA insurance for my xb12r. stop in today to ask if i'm covered. and what i asked was, i'm i covered at a track day schools. thats a non-race environment, and there's classroom time and track time. they called the underwriter, he said it would be looked at and see what was the cause. so, that makes me feel they can deny you if they want. has anybody else dealt with this? | ||
| Rocketsprink |
most will cover if it's a school. Trackday and you may be S.O.L. | ||
| Glitch |
It wouldn't matter to me one way or the other. If I was to wreck at the track, I wouldn't make an insurance claim. If you're at the track when someone else causes you to wreck, good luck getting their insurance to fix your bike. All they'd have to do to deny your claim would be to ask for a police report. Insurance is for the street. | ||
| New12r |
Insurance is for the street. Yup. | ||
| Josh_ |
Per my StateFarm agent, I'm covered as long as laps are not timed. | ||
| Slaughter |
I know MOST track day operators are structured in the context of a "classroom" so that IF the worst happens, you MIGHT be able to report it to your insurance company. I do think it's a gamble however. Talk to the particular track day operator, maybe print out some of their novice group literature and take it to your agent to ask. I could almost guarantee that if you're in an advanced group, you might be "iffy" on trying to get coverage on the bike. Medical is a different issue altogether. I'd also not make a claim if there was any doubt. (Message edited by slaughter on October 31, 2007) | ||
| Theroamr |
Im an agent for 15 companies in 38 states, in short: Not covered unless its an instructional school like advanced rider school or similiar. If lead by and supervised by instructor covered. If timed surely not covered. You guys get the jist. | ||
| Sslowmo |
damn!!! i guess i'll have to buy another cheaper bike for the track. but i'll have to take my baby at least once to see what see has there. i've been doing keith code school and using there ninja 600. ok bike but not my xb. just use to the v-twin. in-line takes a little to get used to. thanks again badwebbers. Aaron | ||
| Phwx2 |
I've done 9 years of insurance claims specializing in all types of insurance coverage litigation. That's right - I'm the guy who would deny your coverage. I'd fall off my chair if any carrier covered a track crash under any standard auto coverage policy. They all have an exclusion for racing. You don't want to crash your bike and try to argue some split hair theory about whether it was timed or not. These exclusions have been successfully applied to two drunks racing pickups on a windy road. No timing there. The gray area is when there is only one vehicle speeding on the road. You get two and its probably going to get denied. You go on a track - forget it. There is drag race insurance, I don't know if they would cover track day. See, http://www.dragracersinsurance.com. Get a race bike. That's what I would do if I had any time to race. Good luck. | ||
| Rubberdown |
Track days, for me anyway, are not about racing; rather it's more about learning what you can do with your skills and that particular bike. I'm convinced that track days have made me a better rider less likely to wad it on the road. It's my perspective that an insurance company might actually encourage skills training. Wishful thinking I'm sure. | ||
| Bumblebee |
GMAC says it's covered providing the laps are not being timed. The minute the (official) stopwatch comes out it's now a race and the insurance is emphatically null and void. | ||
| Nuerburgringer |
A bike wouldn't be covered on a trackday, even with comprehensive coverage? I crashed my bike solo, albeit on the street, and how-it-happened was never an issue. I was fully covered for the loss via comprehensive coverage, no questions asked. | ||
| Dtx |
Usually "closed course" will make any claim void...whether timed or not. (Message edited by dtx on November 01, 2007) | ||
| Slaughter |
Just don't assume you won't be injured in which case there WILL be a report. Just something to think about. If in doubt, ask your insurance company if you can't get it reading your policy (though my brain hurts just thinking about attempting to read that fine print) I'm of the opinion that if you can't afford to replace the whole bike or go without riding it UNTIL it's fixed, then you should lower your "speed expectations" a notch and just take it easier - ride easy, ride well, ride within your limits. Let the OTHERS do that dumb stuff. | ||
| Jkkj |
You could always kick it out of the back of the truck on the way home! I swear officer it was like it jumped. |
