Track/HPDE/DE Insurance

"Most" is correct. I've done extensive research on this subject.

Again correct.

The irony lies in the fact that if you were street racing .... you would be covered under most present policies.

None do so in Oregon.

I did hear of a company doing so for Washington state residents (no details sorry). And I have heard that Progressive? (maybe others?) are considering offering HPDE insurance for 2007.

I never knew of any companies that used to offer HPDE insurance. WTS, most did not specifically prohibit HPDEs. Sad to say (i know it makes no sense) those days are gone.

I am certified by and instruct for Oregon PCA. As I understood it ORPCA has *club* liability insurance. They do NOT have insurance for their member's cars. Or any other insurance for their members (ie; individual participant liability ins).

All of the groups/clubs/orgs I know of have liability ins. Otherwise, you are correct .... none of the events offer participant ins.

Again: Correct.

Once again the Europeans show us up. <sigh>

Got you covered Scotty! <chuckle>

Chubb do NOT exclude HPDEs (at this time). And some mo' irony for ya: The premiums I pay on my F430 are lower, for identical coverage w/o HPDE exclusions, than what I would pay w/Allstate (my previous ins).

Call Chubb. But if you do have an incident .... be prepared to litigate. I've been told this by more than one credible source.

BTW, I have no connection w/them. Nor have I ever filed a claim .... just signed up a while ago. Wish me luck.

HTH,

Richard.

 

We have had incidents locally with the FCA/NC group on track. When the insurance company was provided all the correct details:

1. HPDE
2. No timing/scoring equipment in use
3. No elements of competition
4. Professional instructors
5. Professional grid control/pit out/corner workers
6. Tech inspections
7. Safety equipment

etc.. they paid the claims on cars that experienced damage. It is absolutely critical that nobody at our events use ANY radar guns, timing devices, telemetry, etc.

That's just my limited experience in North Carolina. I'm sure it varies from state to state, and frankly, with each individual incident.

Sadly, I've come to the realization that when cars are on track, things will get broken/bent/destroyed. Whether it's me in the drivers seat, or a friend in his/her car, that's the risk we take when pretending to be Schumacher.

 

A friend totaled his street car during HPDE in Pennsylvania. He met all the conditions that Daniel describes above, and his insurance eventually paid. It took a while, representatives of the insurance company visited the track and spoke with its manager, there were several meetings with the insured, and so on. It would be an understatement to say that the insurance company was not happy.