Having never tracked my car, I have no idea whether you can insure the car with some kind of special insurance, or if you are simply on-your-own.<o></o>[/quote]


Any information would be helpful, because I would love to get it on the track, but I'm unwilling to roll the dice if it would be uninsured.<o></o>[/quote]

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Just sold my beautiful CS, now the fun begins as I look for its open top replacement...

Great question. I concur.

I just know of American Collectors. http://www.americancollectorsins.com/de_policy.htm.The annual premium is 1.5% of the value and there is a $20,000 deductible. I didn't get it as State Farm had no problems with covering PCA DE events on my current plan. This is just for DE or track days, not for full out racing. I am not aware of insurance that will cover racing.

Normal insurance normally would not cover DE or any type of event, however innocent the activity is, that is performed on a closed course, including autox. Frankly, State Fram is notorious about NOT covering.


If you at your policy it should clearly state that DE or similar events are not covered. If it does not state it, you have chance of it getting covered, and that is only for the first time before you get droped from coverage. In 2004 I had a pretty bad crash at VIR. I checked my policy and it did not include an explicit statement that it would not be covered. So, after several phone discussion, Geico had to pay the damage close to $12K. However, my policy was not renewed afterwards and subsequent policies issues had explicit language about it.


One piece of advice: do not talk to you insurance rep, adjuster or underwriter about this issue. Any words that they may share with you is worthless. the ONLY binding contract is your policy and nothing else. It won't matter what someone tells you over the phone. Check your policy everytime they send you an update. Trust me, I am talking with experience [img]/fckeditor/editor/images/smiley/MWPX/wink_smile.gif[/img]

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FT

Would tracking affect warranty, lease or owned?

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Mike
2006 Midnight Blue Cayman S

I don't mean to disagree w/ FT, but maybe to modify his experience w/ my own. I'm with USAA and had the 'conversation' w/ them. But I backed it up w/ e-mails so I had a written record. I referred them to the relevant DE website with rules (1. No Racing; 2. see #1; 3 see #1 &amp; 2). They said I was covered and backed it up in writing. I'll take that to court any day.


Fortunately, I haven't had to press-to-test. No claims so far.


Hubble

Hubble - since you got it in writing, it's all good; may be we should all switch to USAA [img]/fckeditor/editor/images/smiley/MWPX/teeth_smile.gif[/img]


Keep in mind though that autocross is considered racing or competition.

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FT

Whether or not your auto insurance will cover an on-track incident is a matter of contract, i.e., the specific provisions &amp; most important, the definitions, in your policy. Read it carefully. Some companies have no track exclusions, while others exclude anything that happens on a track. Still others exclude only 'timed' or 'competitive' events, a definition that would include autox, but would NOT include DE. That's one of the reasons why many clubs that sponsor DEs prohibit lap timers or other obvious timing devices.



Contrary to FT's assertion above, my State Farm policy language is such that a DE incident is absolutely covered. In fact, I know personally of 4 such DE claims covered by State Farm in my PCA region alone, including my insurance agent . AFAIK from reading many posts on other web boards, my policy language is the same as others covered by State Farm. Last season, American Family fully covered the total loss of a 911 at one of our DEs. I revierwed that policy &amp; itexcluded only timed or competitive events, which the company determined was not a DE after a brief investigation. Other companies have also covered DE related claims.



Would it be wise for a Cayman driver w/SC &amp; PCM who has logged lap times to make sure it's purged, before the adjuster's visit for a DE accident insurance claim?




Edited by - STLPCA on 06/25/2006 12:38:43 PM

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Dan

Dan,


Wouldn't they have to show that your saved lap times were actually from that course and not just any old random use of SC? I don't know if SC saves the actual time/date stamp of when the 'timing' was done or not. I don't have PCM so I don't see the bars, and when I clear out the last timed item it is gone as far as I can tell. I think you could argue that you timing yourself did not make the event an officially timed event where all participants were being timed. I mean you could look at your watch every time around the track and 'time' yourself but I don't think that's what the timing language in the insurance contract is referring to.


The simple answer is don't wreck and you won't have to find out! [img]/fckeditor/editor/images/smiley/MWPX/tounge_smile.gif[/img]

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K-Man S

Ken - I just posed the question. I too don't know if the datayou referenced is stored. My point was that such datamight create an issue of how the car was being used at the time of the accident and the fewer issues when making a cliam, the better.

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Dan