Insurance coverage to cover Driving School with CCA
Thread Starter
Senior Members
Joined: Jul 2008
Posts: 471
Likes: 0
From: Finger Lakes NY
My agent is saying that my ins. company won't cover anything that has to do with a "track".
I'm requesting the part of the policy where it states that.
Anybody have any companies that will cover non-timed CCA events held at a track?
Thanks!
I'm requesting the part of the policy where it states that.
Anybody have any companies that will cover non-timed CCA events held at a track?
Thanks!
Contributors
Joined: Mar 2008
Posts: 1,128
Likes: 1
From: Birmingham AL
My Ride: 2010 VW Passat Wagon 2.0l Tsi
Grey/Grey Budapest 18"
Lost to HPFP issues:
08 535i sport pkg
Lost to Dreaded E61 Sun roof leaks:
07 E61 530Xi
Most Co. have dropped that for obvious reasons.
Your CCA should have a Insurance provider that can give you coverage for 1 event or the whole year at decent prices. I know my chapter had that info in its news letter, and I think it was in Roundel a couple months back. The Insurance is for track only.
Your CCA should have a Insurance provider that can give you coverage for 1 event or the whole year at decent prices. I know my chapter had that info in its news letter, and I think it was in Roundel a couple months back. The Insurance is for track only.
Thread Starter
Senior Members
Joined: Jul 2008
Posts: 471
Likes: 0
From: Finger Lakes NY
FWIW, if anyone cares...
So, the agent called the insurance company, the name is like if you were going on a trip, you'd be a "blank"...
She asked the company to point out where in the exclusions it said "no track". They basically couldn't, and when pressed, said they dropped any reference to track exclusions back in the 90s.
There is an exclusion on your personal coverage for bodily harm, if you are involved in timed or race events.
According to the policy though, you could race in Nascar all day long and if you totalled the car there would be no problems.
Interesting.
So, the agent called the insurance company, the name is like if you were going on a trip, you'd be a "blank"...
She asked the company to point out where in the exclusions it said "no track". They basically couldn't, and when pressed, said they dropped any reference to track exclusions back in the 90s.
There is an exclusion on your personal coverage for bodily harm, if you are involved in timed or race events.
According to the policy though, you could race in Nascar all day long and if you totalled the car there would be no problems.
Interesting.
Members
Joined: Sep 2008
Posts: 117
Likes: 0
From: NJ
My Ride: Current - 07 X5 4.8 Sport, HUD, Cold Weather, Technology package, Premium Sound, Hitch, 214 Summer Wheels, 298 M Winter wheels
Mods-M Steering wheel, LCI Tailights
Sold to make room for future M5- 08 550 SpaceGray Msport, Fully Loaded, Comfort Seats, Comfort Access, NAV, HUD, Active Steering, Cold Weather, Htd Rear Seats, Sunshade, Logic 7/HD Radio, SAT, iPod, Lane Departure Warning, Fold Down Rear Seats
Mods: Dinan ECU, V1 w/ concealed Display, Tint all around
M5 Mirrors waiting Paint/Install
RDsport Quad Exhaust waiting Install
M5 style 166 wheels waiting install
Sold - 07 550i
I had the same question last year when going to the track. I asked my agent if I was covered. And she said no, but I got a copy of the insurance policy and it staed that i was not covered if I was racing on a track. Since driving schools are not racing, I would technically be covered.
Members
Joined: Mar 2009
Posts: 123
Likes: 0
From: SoFla
My Ride: MY06 530i Silver Grey (A08)
All this discussion is interesting. I may go back and look at my policy contract and see what is excluded, as I have always assumed that controlled competition at a track was covered. From a practical standpoint, if your car is damaged, your going to have to fight to get them to pay IMO. I think it would be best to get some level of "racing insurance" nonetheless. I came across a company that some Grand-Am teams use, but I don't remember the name.
GL
GL
Members
Joined: Apr 2009
Posts: 5
Likes: 0
Originally Posted by 305bimmer' post='855269' date='Apr 22 2009, 10:11 AM
All this discussion is interesting. I may go back and look at my policy contract and see what is excluded, as I have always assumed that controlled competition at a track was covered. From a practical standpoint, if your car is damaged, your going to have to fight to get them to pay IMO. I think it would be best to get some level of "racing insurance" nonetheless. I came across a company that some Grand-Am teams use, but I don't remember the name.
GL
GL
Members
Joined: Dec 2007
Posts: 81
Likes: 0
From: SF Bay Area, Cali
Thread
Thread Starter
Forum
Replies
Last Post
dv8ed
Dealer Purchasing & Service Forum
4
Dec 24, 2003 07:41 PM
