Track Event- Accident. I

Submitted by skully on Sun, 10/05/2008 - 20:04

Track Event- Accident. I was at a track event and went off the track into a tire wall - damage was to my bumper cover (plastic), fender, door and quarter panel. Car drives fine - just cosmetic. I am with state farm for 15 years without a claim - I know there is more than my 500 deductible -more like 3K-5K of damage possibly. How should I approach this to my agent? I heard that NC insurance will cover this because NC is the ONLY state that covers accidents at track events that are NOT competition or timed events.

Posted: 05 Oct 2008 08:52 Post Subject:

Has nothing to do with the state, it's how the policy reads. I've seen some that exclude coverage for an organized racing event. I think what you were doing pretty much qualifies as this. Most have exclusion that are similar. Report the claim and wait to see what the carrier says.

Posted: 05 Oct 2008 09:07 Post Subject:

I'm with tcope. There are certain activities you simply can't do and expect any bad results to be covered. There will be a section in your policy outlining exclusions.

I'd call my agent. If he/she says it isn't covered at all, I wouldn't even file the claim.

Posted: 05 Oct 2008 11:57 Post Subject:

If this were the case wouldn't alot of insurance companies be taking an extremely high risk to insure vehicles that get damaged like this? I would think it wouldn't be covered.

Posted: 06 Oct 2008 10:25 Post Subject:

Well all I can say is I've NEVER seen an auto policy that did not exclude this...but never saw a NC policy either...turn it in, and good luck...also if you don't mind let us know for future reference..

Posted: 06 Oct 2008 03:57 Post Subject:

I am thinking more than good luck is needed here. My brother races and I have seen the condition a vechile on the track looks like when the checkered flag is thrown...not too good.

Posted: 07 Oct 2008 04:03 Post Subject: Track Event

We repaired a 911 one time that the owner had crashed on a track. He was taking a Porsche driving class. His insurer covered it.

Posted: 07 Oct 2008 09:30 Post Subject:

I would take porche driving classes if I owned one. with the price of those suckers no one can be too careful.

Posted: 08 Oct 2008 10:03 Post Subject:

We repaired a 911 one time that the owner had crashed on a track. He was taking a Porsche driving class. His insurer covered it.

I can see why that one was covered Dave a driving 'class' yes, a race no... :wink:

Posted: 08 Oct 2008 12:58 Post Subject:

Why do people take driving classes? Does it lower your insurance if you do? Hmmm I can think of at least a few paople who could use it.

Posted: 09 Oct 2008 01:31 Post Subject:

Hey Firey...these classes are for advanced driving techniques. There is something called Auto-cross. People take their cars (usually sports cars) on a "track" made specially for it. Tight curves, straights, etc. Goal is to be a better driver and lower your "time."

Posted: 09 Oct 2008 10:54 Post Subject:

Cool. My brother does some racing on a area track but nothing professionally. I enjoy watching him. It would be a pretty cool course to take. I see where there are also winter driving courses and that is something I wouldn't mind doing but they are never offered in our area. (Nowhereville)

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