2013 Proving Grounds

[cmspaz]

See, my insurance policy states that they will not cover racing, practicing for racing, speed contests, or speed demonstrations. An HPDE is an educational event by definition, and I had not signed up for any racing on the road course later in the weekend. I wasn't racing, I couldn't have been practicing for racing I wasn't doing, it wasn't a speed contest, and I had nothing to demonstrate.

The fact that they didn't immediately deny the claim is good news for me, it means their legal team is having trouble catching an HPDE under their terms. Last I heard they were contacting BIR to try to get more info.

[asshanson]

Originally Posted by cmspaz

The fact that they didn't immediately deny the claim is good news for me, it means their legal team is having trouble catching an HPDE under their terms. Last I heard they were contacting BIR to try to get more info.

That is really good news for you, hope they end up covering it. I checked with my insurance company, and anything on a track is specifically excluded, so even educational events are not covered. After my near miss at Newton this weekend, I am really considering buying insurance for future events, mostly because a 5mph crash will cost me $10k in body repairs.

[simulatedwood]

Originally Posted by asshanson

That is really good news for you, hope they end up covering it. I checked with my insurance company, and anything on a track is specifically excluded, so even educational events are not covered. After my near miss at Newton this weekend, I am really considering buying insurance for future events, mostly because a 5mph crash will cost me $10k in body repairs.

Insurance seems cheap doesn't it vs. the cost of writing off a car for sure. My insurance does not cover any tracking events, but after the run in the rain @ PG2, I think its a great idea to have it.

[cmspaz]

Originally Posted by asshanson

That is really good news for you, hope they end up covering it. I checked with my insurance company, and anything on a track is specifically excluded, so even educational events are not covered. After my near miss at Newton this weekend, I am really considering buying insurance for future events, mostly because a 5mph crash will cost me $10k in body repairs.

Most insurance companies now, on top of wording similar to what I listed, also specifically exclude anything on a permanent or temporary race track like yours does. Mine is just a bit behind the times on that, thankfully.

I will 100% be getting track insurance in the future so that I don't have to deal with this headache, even if they do cover it.