[Ojustracing]

Well just as the title says, What does everybody do for insurance when they are on the track. AX car may not have a problem but RR cars can have a big problem. I understand the risks and all that jazz, but disaster can happen at any time. then what do you do? Do they have an optional policy from a differnet carrier that would cover something like that or are you Shit out of luck. (IMG:http://www.frrax.com/rrforum/style_emoticons/default/sad.gif) Later John

[sgarnett]

Insurance companies are getting smarter, and some are specifically exempting DEs and track days in their policies. If you can't afford to ball it up and walk away, don't take it to the track. Period.

Personally, I don't think insurance companies SHOULD cover track days. It's there for the drive to and from the track, and of course daily driving. While driving on the interstate certainly has it's own hazards, open track speeds are entirely outside the scope of normal insurance.

Now I have heard of people getting their policy cancelled simply becuase they race. Not because of an accident, but simply because they race.

I would rather just have a clear boundary - when it's on the road it's covered, when it's on the track it's irrelevant and not covered - instead of having ontrack activities potentially affect off track insurance.

Like Pat said, never race a car you can't walk away from. 3 more years of payments is a big part of the reason my car won't be on a track for a while.

Life insurance is another interesting question. I seem to remember that activities such as skydiving, racing, etc aren't covered. As a new father and the main source of income, that's a sobering thought.