[ARRA757-89-91]

This came up the other day on a hijacked thread, can't remember what people said. Apparently there are several carriers that cover track spills as rider training? Man that is incredible if thats the case, please let me know what you all know.

I know state farm policies have wording that is pretty clear, not to say guys and girls dont drag their wrecked heaps to a dark street corner or anything.....:lao

But I am curious if any of the b***** companies overlook it? look past it?

Just curious.

Thanks

ARRA

 

[kneedeepinit]

USAA used to cover it. I don't think they do any more.

 

[Stick N Move]

Id be curious to know who doesnt. I have Nationwide and I was under the impression that insurance was insurance regardless of the road you are on. Guess I was wrong. Anyone know about Nationwide or Progressive?

 

[PhilB]

Id be curious to know who doesnt. I have Nationwide and I was under the impression that insurance was insurance regardless of the road you are on. Guess I was wrong. Anyone know about Nationwide or Progressive?

You've got to read your policy carefully. Most of them have an exclusion for "contests of speed", which were inserted because of street racers, but generally also don't cover properly sanctioned racing, and can be sometimes interpreted to not cover trackdays, depending on the company.

Also, it of course depends on what coverage you do have. A liability policy *might* cover you if you take out someone else's bike on the track and they try to sue you for it. But of course that won't help you fix your bike. Comprehensive and collision policies vary widely.

Most people go with having a track bike they can afford to fix if they bin it, slap some cheap race plastics on it, and go, but if you want to take the DesmoSedici, that option's out. You may have to get a specific policy to cover such activity. With that much money at stake, I don't think I'd depend on word-of-mouth about companies "looking the other way". Even if you find one that has done so in the past, they might change their mind if they get a $30K claim on it.

PhilB

 

[Tripped1]

Rider Insurance does.

 

[bumblebee]

This came up the other day on a hijacked thread, can't remember what people said. Apparently there are several carriers that cover track spills as rider training? Man that is incredible if thats the case, please let me know what you all know.

I know state farm policies have wording that is pretty clear, not to say guys and girls dont drag their wrecked heaps to a dark street corner or anything.....:lao

But I am curious if any of the b***** companies overlook it? look past it?

Just curious.

Thanks

ARRA

I am curious, why do you feel it is someone else's responsibility to pay to repair your bike if you drop it doing a track day?

 

[NetBSD]

i dunno of any that will cover a closed track spill.... every drag i have done i had to sign my name before entering and stating that i was on a closed strip and racing at my own risk. if i drop my bike i dont think ill even bother trying to get my insurance to cover it, doesnt seem right to me.


now if you were at the track and a fellow racer takes you out, whos insurace pays for it? the guy that took you out or yours?


if you dont have the money to fix yer own bike when it goes down on the track then dont go to the track

 

[clockworkjon]

I go through American Family. I was told that as long as its not an official timed race that accidents would be covered. A normal track day would be considered more of an instructional event. They also said that, worst case scenario, I totalled at a track day and filed a claim for it, my premiums would go up about $2/month. But as long as its not a recurring thing I wouldn't get completely dropped.

Hope that helps. :cheers

 

[kneedeepinit]

i dunno of any that will cover a closed track spill.... every drag i have done i had to sign my name before entering and stating that i was on a closed strip and racing at my own risk. if i drop my bike i dont think ill even bother trying to get my insurance to cover it, doesnt seem right to me.


now if you were at the track and a fellow racer takes you out, whos insurace pays for it? the guy that took you out or yours?


if you dont have the money to fix yer own bike when it goes down on the track then dont go to the track

Track days. Not racing.

Some companies cover track day incidents. I just can't say which ones. I know my carrier used to. I haven't checked if they still do. My track bike isn't insured anyway.

 

[kneedeepinit]

I am curious, why do you feel it is someone else's responsibility to pay to repair your bike if you drop it doing a track day?

He pays the premiums. The same reason he has insurance for the street.

 

[jetblack]

if you dont have the money to fix yer own bike when it goes down on the track then dont go to the track

Buying insurance for the track is the same thing as buying insurance for the street. If you can't afford to fix your bike if you crash it on the street, then why would you have anything other than bare minimum liability for legal reasons?

Also, when talking about a Desmosedici, your argument is even more retarded.

 

[clockworkjon]

if you dont have the money to fix yer own bike when it goes down on the track then dont go to the track

Buying insurance for the track is the same thing as buying insurance for the street. If you can't afford to fix your bike if you crash it on the street, then why would you have anything other than bare minimum liability for legal reasons?

Also, when talking about a Desmosedici, your argument is even more retarded.

I think you're both right. Hopefully in the near future I will be in the market for a track bike. I'm looking for a $2500-3000 bike, older model, probably very used and abused. I don't plan on insuring it, other than maybe theft. Now, if I had a $70,000 Desmo then you bet your ass I'd insure it as much as humanly possible. The fact that its the Desmo and not a typical track bitch is the crucial factor here.

 

[jetblack]

I think you're both right. Hopefully in the near future I will be in the market for a track bike. I'm looking for a $2500-3000 bike, older model, probably very used and abused. I don't plan on insuring it, other than maybe theft. Now, if I had a $70,000 Desmo then you bet your ass I'd insure it as much as humanly possible. The fact that its the Desmo and not a typical track bitch is the crucial factor here.

A cheap bike is one thing, but if your ride is worth 10k or more to replace it's worth the insurance.

 

[Mukky]

I am curious, why do you feel it is someone else's responsibility to pay to repair your bike if you drop it doing a track day?

bc you pay alot for insurance. so you would expect you bike to be covered no matter what road it is on

 

[TalkofDC]

I am curious, why do you feel it is someone else's responsibility to pay to repair your bike if you drop it doing a track day?

Shit why the fuck not? We pay insurance in case something happens...

who the fuck are you asking a question like that as if you are too self righteous to depend on insurance?


I pay my premium for full coverage every month on time. Why should I NOT expect coverage for a track day?

THATS WHAT I AM PAYING THE COMPANY TO DO...

I bet you won't ask Valention Rossi that question....he'll slap his dick across your mouth for speaking such foolish shit.

HE DEPENDS ON PEOPLE TO PAY TO REPAIR HIS BIKE EVERY TIME HE CRASHED.

 

[Josh D]

I'm with bumblebee on this one. After reading some of the replies, I don't want to hear a SINGLE WORD from you guys when your insurance goes up from a bunch of icy hot stunnas flipping their 09' GSXR 1K.

And if you total a $70,000 bike on the track, and the carrier drops you, then don't complain.

 

[Bpro]

Contact Brandon Parrish at: RiderSurance.com - Home

He's a racer/insurance agent. He will answer all your questions on this.

 

[clockworkjon]

I am curious, why do you feel it is someone else's responsibility to pay to repair your bike if you drop it doing a track day?

What's the difference where it happened? You're just as likely to have an accident at a track as you are on a typical Saturday ride through the twisties. Wouldn't you expect insurance to cover you if you lowsided on gravel in the road? Why then wouldn't you expect to be covered if you lowsided during an instructional track day event?

I'm with bumblebee on this one. After reading some of the replies, I don't want to hear a SINGLE WORD from you guys when your insurance goes up from a bunch of icy hot stunnas flipping their 09' GSXR 1K.

Does this mean that you don't have any motorcycle insurance? Because I don't know how many "icy hot stunnas" flip their bikes at track days causing everyones' rates to go up. In fact, I would bet that most of your "icy hot stunnas" crash on the street. And since there's more of them flipping more bikes on the street than there are at the track, your insurance is sensitive to those rate hikes.

So, its not the small percentage of track riders crashing that you should be worried about. Its everyone else on the street that you should be worrying about. So if you have insurance, and you're so worried about those rate hikes, you should probably just cancel it.

But then who pays for your bike if you hit a deer? Wasn't your fault, it was an accident. Will the deer's insurance pay for it? Its not likely, which means you either have to shell out your cash to fix/replace everything, or maybe you should have had insurance to help you. Maybe you do already and you just forgot to make sense, whatever.

/rant

 

[binx_19]

you pay insurance to operate your bike on the PUBLIC roads, not a private track, does your insurance cover a parking lot crash, not typically because those accidents are less then the deductible.

 

[binx_19]

now if you are going to have any insurance at all it should be health, because those bills add up fast, right ZLTFUL.