[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

[mitchntx]

Insurance companies are great at marketing their product. "You are in good hands" is a prime example how far they go to make you feel at home, beside a warm fire and totally protected.

This is a misnomer!

Insurance companies are in business to make money. Anything and everything they can do to minimize risk and cut losses they will do.

Insurance folks are not our friends, they don't have our best interest at heart and they will exercise both of those at the first hint of a problem.

I had an accident almost 2 years ago.

In a parking lot, I was looking for a space, creeping along, saw one to the right and turned to the right to get to it. An idiot, doing 30mph plus (as evidenced by the skid marks) was attempting to pass me on the right. His left front hit me dead on the right front wheel.

Insurance claimed 50/50 fault. In effect, they split the cost of the claims and was able to raise rates on both policies. win/win for the insurance company.

The really sad part is that it was sent into arbitration at the direction of the insurance companies. I had no input what-so-ever as to why it was sent there and who the arbitraitor was. This was all orchestrated and controlled by the insurance companies.

I am not advocating insurance fraud in any respect. However, I certaily don't lose any sleep when someone walks away from a favorable settlement.

Just like insurance marketing, market your accident so that minimal information is actually conveyed and leaves room for plenty of positive supposition on thier part.

"I had a single car accident at a location approximately 1 mile west of the intersection of Texas Hiway 377 and Texas hiway 171. I ran off the road on the right side and the car just slid out of control into an object. I had the car towed to my house because I was afraid to leave it abandoned."

If I had an accident at Motorsport Ranch in Cresson, Texas where I put 2 wheels off and slid the car sideways into a tirewall, tell me what in that statement is a lie?

(IMG:http://www.frrax.com/rrforum/style_emoticons/default/cool.gif)