Porsche vs. Insurance Co.

[racer_d]

Yup.. Read your policy.. Ask for a copy of all exlusions... then look into buying Track Day or DE insurance. Not cheap.. Usually 10% of the value of the car, plus a deductible (most people mention in the $5k range) then have fun.

More and more Ins Cos are wising up.. Adding vague, but arguable language like "practicing for speed events" or "at a racetrack or venue designed for racing" etc.

Or, you could be lucky.. have an incident, the company covers you (once) before you know it, no renewal allowed without a gross rate adj, or dropped all together.

Another reason why you see lots of cheap ass Porsches at the track. A full on 944 racecar can be had for under $10k and its "self insured"...

To others, the rewards of track driving far outweigh the risks.

How are accidents handled at track events when two or more cars are involved? Is each owner responsible for their own damage? Is their "track etiquette" and a "code of conduct" to resolve these issues?

[NickCats]

I often wonder the same regarding autocross events. I can see it would be difficult explaining an accident that occurred at the track, but if something happened during an autocross, since you are really just in someone's parking lot, how would this be handled by the insurance company ? Would you get a police report ? Would the police note on the report that an "event" was going on, or just the facts of the incident ? Anyone know ?

Nick

[Lil bastard]

Auto-X would be considered a Timed Event (which it is). And with usually only 2 cars on opposite ends of the course at any time, a 2 car incident is unlikely.

In a Track event, it's pretty much everyone fending for themselves - you repair your own car. Injury liability could come into play though.

Another thing, damage to the Track is pretty much Pay-on-Demand. Take out a barrier or guardrail and you're out-of-pocket before you leave the Track (if other arrangements haven't been made). This can tack on a couple thousand more than just the damage to your car. It cracks me up (in a weird way) when I see the look on a Track rookie's face as he gets handed a bill to replace the guardrail that just took out his car.

[TriGem2k]

Originally Posted by Lil bastard

It cracks me up (in a weird way) when I see the look on a Track rookie's face as he gets handed a bill to replace the guardrail that just took out his car.

Thats ************************ funny........ Man that must SUCK!

[racer_d]

Originally Posted by TriGem2k

Thats ************************ funny........ Man that must SUCK!

no kidding..

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