Thread: Race car Insurance

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Hello All,

just a question I had mabey someone has already asked but anyway,

Insurance,, this will be my first year driving and I am putting a grundle of money into my car ( 72 nova). can you get insurance on the car? If I was to mess up and put it into the wall or even worse hit someone or they hit me while running, I am sure the premium would be expensive but it could be worth it. I know when I used to race Offroad our entry fee included an insurance cost in case we hurt someone like a spectator and the association was sued.

All responses welcome..

well you may have a hard time and if you do it will cost alot .if your car is stored at house/shop and lifted or burns down you can find insurance like i have. but no pay outs on any thing to do with a car at the track or racing any were at any time

What is the proper edicate or responsabilty of a driver who seems to be the reason for an accident? and I mean accident, crossing the line and hitting the other guy or something like that. I would never be able to pay for the other guys or Gals car if something should happen.

98% of my racing experience has been in roundy-round racing, but I suppose the attitude (or etiquette) is the same on any race track. If you put your car on the track, you are putting it at risk. If it gets crashed, whether it's your fault or not, tough cookies! You knew the risk when you rolled onto the track.

If you crash into someone, you might want to say you're sorry, but it sort of depends on the other car owner's demeanor. If he is really upset because you did something really stupid that caused the mishap, you might want to give him time to calm down or you could get your face dislocated...

having never hit any one at the track that is hard to say. i do know someone that did get back in to in staging lane i would think at if someone did it to me i would hope some money would come my way .would not bet on it ... if i hit a car at the track would try to help. but running down the track is a hole new game

Originally Posted by chpseat987

What is the proper edicate or responsabilty of a driver who seems to be the reason for an accident? and I mean accident, crossing the line and hitting the other guy or something like that. I would never be able to pay for the other guys or Gals car if something should happen.

You walk up and say Hey Man I'm real sorry. "End of story" If your racing you got to be prepared for the possibility of losing the car. There is no such thing as racing insurance and no one is responsible for your loss no matter what happened.
Oh and I have lost cars at the track, Wadded a midget up one time and the only thing usable was the seat and engine.

This is good stuff, I have been really currious about it. This last year at our track Rock Mountain Raceway i watch 2 pro mods get tangled up at over 200 miles an hour at the finsh line, the drivers walked away but on one of the cars the seat may have been re-usable. It was the worst I have ever seen.

This is good stuff, I have been really currious about it. This last year at our track Rock Mountain Raceway i watch 2 pro mods get tangled up at over 200 miles an hour at the finsh line, the drivers walked away but on one of the cars the seat may have been re-usable. It was the worst I have ever seen.

Most standard insurance policies have a clause that reads something like this:

"Participating in any sport or sporting activity for wage, compensation, or profit, including officiating or coaching; or racing any type of vehicle in an organized event."

When my son raced motocross, we signed all kinds of waivers and essentially said that we would be responsible for all medical costs associated with any accidents and indemnify the track owners and officials where we happened to be racing. We had great sponsorships for the bike and all the related equipment, but all participants realized they were participating in a very dangerous activity and in the event of an accident apologies were given and all parties were to walk away. We were fortunate that he suffered nothing more serious that a few sprains and slight concussions.

That said, K&K Insurance does offer insurance for all kinds of motor sports from dirt bikes to drag racing. Their web site lists all their coverage and also states the minimum account is $1500.

http://www.kandkinsurance.com/

Good luck with this one,
Glenn

I was always taught that you only race what you can afford to fix.

OK, so it is unwritten that if such a thing happens "of course I would appoligize and help with what I" could but everyone understands that racing is a risk we all take and at our own cost. and no one expects the other guy to pay for the repairs.

Originally Posted by chpseat987

OK, so it is unwritten that if such a thing happens "of course I would appoligize and help with what I" could but everyone understands that racing is a risk we all take and at our own cost. and no one expects the other guy to pay for the repairs.

...ZACKLEY...
Cept in the case of crashing Jack Hewitt,then the cost is a couple pints of your blood. (LOL)

Has this happened to anyone?

Originally Posted by chpseat987

Has this happened to anyone?

While instructing at Watkins Glen two years ago I watched a new Porsche 911 owner attempt a "unauthorized" pass in "Da Boot" at driver education day, he sideswiped a race prepped Miata causing substantial damage to the right side of the Miata and the left side of his Porsche. In this case even though the Porsche owner was in the wrong, neither owner expected the other to pay for the damage....

The rule is simple, rubbing is racing, if you cannot afford to write off your race car while it's at the track, better leave it at home in the trailer.

Now, while racing at Englishtown last summer I did watch just the opposite, a slick blew on a pro street Camaro and the driver veered into the opposing lane striking the Firebird he was racing against...The owner of both cars were quite upset and had to be pulled apart, about two hours later after things had a chance to cool off, the owner of the Camaro for the repairs to the Firebird as he knew in his heart that the crash was his fault, and that perhaps he should not have tried to get one more weekend out of the slicks, which he knew were ready to be replaced (this being related by the owner of the Firebird over dinner that night).......So, I guess to answer your first question, no, there is no insurance that will cover your car while it's at the track racing (so best be ready to walk away from your investment if it gets totaled there), but yes and no, you may not be held legally responsible should you wreck another persons car, but you could be held morally responsible.........


Bill S.