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Originally Posted by drburton
This may be a stupid question, but do you have to get special insurance on the car if you run it at a track? Does your regular insurance cover a track accident?
If you do need supplemental insurance how expensive is it?
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Hi,
Most General Auto Coverage excludes coverage for any Track, DE, Gymkhana, or Timed Events. It depends more on your Policy than the Company, because a Carrier will generally write
any Insurance, but reflect the Risk in the Premiums charged.
That said, many people forego any supplemental insurance either because of the added cost, they
Feel Lucky Today, or they don't press the point because their individual Policy doesn't expressly prohibit it in writing (even though a Company can well go sideways on a Claim and wear you out in court). But, IMHO, this is not too wise. I mean think about it, you are intentionally pushing the Car to it's limits and perhaps beyond your own.
There are a number of Companies which write Timed or Competition Event Coverage and a good estimate would be about $100-$300 for a day's coverage. I use American Collectors Insurance for my Track coverage and it's about as reasonable as you can get. See them at: americancollectorsins dot com
Hope this helps...
Happy Motoring!... Jim'99
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