Insurance on the track

[Batman]

So I called my insurance company (STATE FARM) and was informed that, regardless of whether I am racing or not, any incident that occurs on a track is not covered. Damn.......:standcorn

[MTS620]

Harsh. I guess I better not switch to Sate Farm..... I've got Farmers and I'm calling my agent to make sure. I have a track day on the 5th.

[poisonivyR1]

So I called my insurance company (STATE FARM) and was informed that, regardless of whether I am racing or not, any incident that occurs on a track is not covered. Damn.......:standcorn
I dont know what kind of policy you have but when my R6 was track-street
my insurance company sue gilday at state farm told me that my bike was covered as long as it was not a timed ( against the clock or other riders)event
now they insure my R6 race bike only
comp only wich is basicly theft
i would call your insurer back and ask to speak to the person in charge that would be the broker and find out from them if not give state farm here in florence a call and tell them eric iversen sent you :yes:

[Flyte Risk]

Thats BS. State Farm does cover track days. I know of at least a dozen serious on track incidents that were covered by State Farm. The representitive you spoke with obviously doesn't know what they are talking about. What they don't cover is "racing events" like Taste of Racing or any orginized racing like the Friday Night Drags at PIR. Simple rule is if it doesn't have the word racing in the name it's covered.

FYI, I ride with a Cust service rep for the largest State Farm agency in OR, my information comes directly from him.

[Batman]

Thanks guys, I'm gonna forward some of this info on to my agent and see what she says:thinking:

[poisonivyR1]

OK all above state farm statements were true until a month ago

just got off the phone with my agent. I wanted to make sure i knew what i was telling you guys is true. state farm changed thier coverage.
they no longer extend coverage to the track it now states that any high speed driving (ie) trackdays is no longer covered but is was true until last month :nutkick

[Batman]

OK all above state farm statements were true until a month ago

just got off the phone with my agent. I wanted to make sure i knew what i was telling you guys is true. state farm changed thier coverage.
they no longer extend coverage to the track it now states that any high speed driving (ie) trackdays is no longer covered but is was true until last month :nutkick
OK TO CLARIFY:

My agent actually called your agent haha. they both called the same insurance underwriter. So i was informed that until APRIL 1st 2008, this was true: as long is it was not race related, the bike was covered. After April 1st, the policy was re-written. HOWEVER, since I opened my policy in March of 2007, and it hasn't renewed yet, I am STILL covered on the track until my policy renews in March!:rad:

so I just have to pony up the Dough for a 2pc (or 1piece) and the trackday itself, before March of Next year. possibility? I'd like to think so:thumbup:

[NinjaChick]

Wooo thats exciting Zack! We need to really start looking for that suit! I think I know what your rebate check is going! lol.

[TOM-CAT]

On the subject of crashing at the track:

You are much more likely to crash on the street, than you are to crash on the track. There are many factors that can contribute to crashing on the street, where as, there are much fewer factors that will contribute to a crash on the track (Races loosely excluded). As far as track days go, if you really don't want to crash, then you won't. The most consistent factor in all of the crashes that I have personally witnessed, both in cars for 7 years and on bikes over the last 3, was the human factor. Someone had to consciously decide to push their personal limits and their luck, and the result was a crash. Most common error is getting ****y, and trying to ride or drive over your head. Almost never have I seen a crash that truly involved someone pushing their car or bike past its limits, they might have pushed the tires past the traction limits, but that was not the limit of the vehicle.

On the one hand I usually advice ppl "don't run it, if you can't afford to replace it." But that is because I am of the mindset that if I am going to go out to a track, I am going to push myself, and I expect that a lot of ppl have the same attitude when it comes to the track. So by default I advice them, to go into it with a reasonable expectation of the possibility of something going wrong.

On the other hand, there are many ppl wiser than I am and with more self control than I have, and they can run a lifetime's worth of track days without ever being in imminent danger of crashing.

Lastly, mechanical failure: There is always a chance that something will go wrong with your bike. 140MPH down the front straight and your wheel falls off. Probably not going to save that one from a crash, however, you could dramatically reduce the chances of a catastrophic failure by maintaining your bike, and inspecting it thoroughly prior to putting it on the track. Continue to inspect the bike between sessions, most of all listen to the feed back your bike is giving you. If you aren't sure about something GET OFF THE TRACK. The day is quite long, and giving up a couple minutes to check out a wobble or noise, is much better than crashing two laps later.

Everyone should make it out to at least one track day, but only god knows how you could stop after only one. :lol:

:2cents::2cents::2cents::2cents::2cents::2cents::2 cents::2cents:.......:blah-blah

[poisonivyR1]

On the subject of crashing at the track:

You are much more likely to crash on the street, than you are to crash on the track. There are many factors that can contribute to crashing on the street, where as, there are much fewer factors that will contribute to a crash on the track (Races loosely excluded). As far as track days go, if you really don't want to crash, then you won't. The most consistent factor in all of the crashes that I have personally witnessed, both in cars for 7 years and on bikes over the last 3, was the human factor. Someone had to consciously decide to push their personal limits and their luck, and the result was a crash. Most common error is getting ****y, and trying to ride or drive over your head. Almost never have I seen a crash that truly involved someone pushing their car or bike past its limits, they might have pushed the tires past the traction limits, but that was not the limit of the vehicle.

On the one hand I usually advice ppl "don't run it, if you can't afford to replace it." But that is because I am of the mindset that if I am going to go out to a track, I am going to push myself, and I expect that a lot of ppl have the same attitude when it comes to the track. So by default I advice them, to go into it with a reasonable expectation of the possibility of something going wrong.

On the other hand, there are many ppl wiser than I am and with more self control than I have, and they can run a lifetime's worth of track days without ever being in imminent danger of crashing.

Lastly, mechanical failure: There is always a chance that something will go wrong with your bike. 140MPH down the front straight and your wheel falls off. Probably not going to save that one from a crash, however, you could dramatically reduce the chances of a catastrophic failure by maintaining your bike, and inspecting it thoroughly prior to putting it on the track. Continue to inspect the bike between sessions, most of all listen to the feed back your bike is giving you. If you aren't sure about something GET OFF THE TRACK. The day is quite long, and giving up a couple minutes to check out a wobble or noise, is much better than crashing two laps later.

Everyone should make it out to at least one track day, but only god knows how you could stop after only one. :lol:

:2cents::2cents::2cents::2cents::2cents::2cents::2 cents::2cents:.......:blah-blah
Well said tom :thumbup:
now come out and play with me on the 9th

[rickster]

Read your policy for yourself.....

[roadrunner]

i had a hard time finding ins for the track.. all said that any organized time contest will not be covered. beyond that they said that id have to go to a high risk type insurance. by then i was done dealing with it and gave up. state farm must have alot of folks that dont understand things. the two i talked to were the most adamant that they dont cover racing of any kind. interesting.
good luck and let us know when you find it.

[kneedragger26]

:phatyo:

Can I tell it like it is.

It really dont matter because a claim on the bike alone will jack your insurance anyway.

......WTF?:thinking:

[TOM-CAT]

i had a hard time finding ins for the track.. all said that any organized time contest will not be covered. beyond that they said that id have to go to a high risk type insurance. by then i was done dealing with it and gave up. state farm must have alot of folks that dont understand things. the two i talked to were the most adamant that they dont cover racing of any kind. interesting.
good luck and let us know when you find it.The current discussion is actually about insurance on non-race trackdays. Also referred to as lapping days, rider education events, etc. So yes, all of the State Farm agents that told you State Farm does not cover racing events were/are correct. To my knowledge, no major insurance policy will cover a RACING event. Racing events are usually defined as a competitive contest where participants race against each other, or a timed event with each participant racing the clock. You can purchase racing insurance, usually on a day by day basis. It is much higher than standard insurance, for obvious reasons, but it is available.

[poisonivyR1]

:phatyo:

Can I tell it like it is.

It really dont matter because a claim on the bike alone will jack your insurance anyway.

......WTF?:thinking:hey jeff
you were there the day i crashed
state farm paid no problem and my rates actualy went down next renewal :nutkick :lol: :lol:
and bring that sexy bitch your riding to the track and play with us on the 9th of may

[roadrunner]

The current discussion is actually about insurance on non-race trackdays. Also referred to as lapping days, rider education events, etc. So yes, all of the State Farm agents that told you State Farm does not cover racing events were/are correct. To my knowledge, no major insurance policy will cover a RACING event. Racing events are usually defined as a competitive contest where participants race against each other, or a timed event with each participant racing the clock. You can purchase racing insurance, usually on a day by day basis. It is much higher than standard insurance, for obvious reasons, but it is available.
i realize what this discussion is about, lol...goodness.
the term they used was a timed event not racing contest. i was not coved on race days or t+t days which were not technically a RACE event. didnt matter. any form of drag racing at a track where time is kept was not covered under any circumstance is what i was told. period. both agents said they didnt offer high risk ins and couldnt say who did. now that were in this i wonder if i just hit two agents that didnt want to take that on for me ??? who knows? :confused:

it would be nice to have a racer who is an agent that way there would be a clear line on this and something available for thse who wish to have coverage. flyte should hook us up with his agent that offers the stuff. its weird that we all have different experiences from the same places. not like its never happened before but insurance either is or isnt?? :idunno:

[kneedragger26]

hey jeff
you were there the day i crashed
state farm paid no problem and my rates actualy went down next renewal :nutkick :lol: :lol:
and bring that sexy bitch your riding to the track and play with us on the 9th of may
I remember you telling me about that.

-I will try to get with you. 9 May is a Friday. I might have to pull strings since we go to AMA Superbike the next weekend. It kills my vacation hours. Ill catch up with you Eric.-:nutkick :smilewink

[poisonivyR1]

man it must be tough
flying to all those suprebike races
have a good time:thumbup:

[kneedragger26]

You made good on that State Farm deal. I know that track or street, a claim is made on the vehicle and the insurance goes up. Details are always another story....

[roadrunner]

pony up the Dough for a 2pc (or 1piece)

this is a bit more clear. if you start looking now youll have it by the time you need it. and as far as pony up... i said something along those lines to a fellow racer buddy of mine and he asked me how much i thought my first hospital visit would cost. lol. i quit looking at low end suits that would just barely get me by. anyways... i love wearing my suit and youll probably like yours as well.. too much fun. :thumbup:

[Batman]

this is a bit more clear. if you start looking now youll have it by the time you need it. and as far as pony up... i said something along those lines to a fellow racer buddy of mine and he asked me how much i thought my first hospital visit would cost. lol. i quit looking at low end suits that would just barely get me by. anyways... i love wearing my suit and youll probably like yours as well.. too much fun. :thumbup:

I totally agree with you on this one Jenn. I've been looking at the MOTOGP suits. I had the same kind of experience buying my first helmet. My friends asked me why the hell I spent $550 on a helmet, when i could have gotten a "cooler looking one" for 200.00. I told them I'd rather pay 500.00 now for a quality helmet (SHOEI) than 50,000.00 later...

[TOM-CAT]

I totally agree with you on this one Jenn. I've been looking at the MOTOGP suits. I had the same kind of experience buying my first helmet. My friends asked me why the hell I spent $550 on a helmet, when i could have gotten a "cooler looking one" for 200.00. I told them I'd rather pay 500.00 now for a quality helmet (SHOEI) than 50,000.00 later...My :2cents: is that, helmets are all pretty close on the safety factor. Some UK researchers did a study not too long ago, that found some "cheaper" helmets outperforming the Arai, Shoei, etc. group. :idunno:What you really pay for is comfort.

Now whether a comfy helmet makes you a safer rider is a another thing... :thumbup:

[roadrunner]

[QUOTE=Batman] "cooler looking one" QUOTE]


har har.. good for you... step away from the sheep...

[kneedragger26]

My :2cents: is that, helmets are all pretty close on the safety factor. Some UK researchers did a study not too long ago, that found some "cheaper" helmets outperforming the Arai, Shoei, etc. group. :idunno:What you really pay for is comfort.

Now whether a comfy helmet makes you a safer rider is a another thing... :thumbup:

............

[TOM-CAT]

............AraiThat's what I roll. Comfy for sure, but damn do they have some serious wind noise. :eek:

[Canti]

Sorry for dragging up a dead thread, but I just want to clarify that, there is no track day insurance at all? I ask because I wanted to go to the track for the first time this year.

Kenny.

[poisonivyR1]

Sorry for dragging up a dead thread, but I just want to clarify that, there is no track day insurance at all? I ask because I wanted to go to the track for the first time this year.

Kenny.


from what i know state farm was one of the few that did it
and they quit covering non timed riding school events (trackdays)last year
i know this for sure cuz i was in my agents office on monday
if you take your bike to the track just be prepared to pay out of pocket if you wreck
so dont wreck :D

[TOM-CAT]

Can't stress this enough: if you can't afford to walk away from it, you probably shouldn't bring it on a track.

The fact is, you sign a little paper when you get there that says even if someone else hits you, you will not sue them for the damages. So if you can't afford to fix the result of ANY crash, even one that is not your fault, you probably shouldn't bring your bike out.

(Of course you can always still sue anyone for any reason.) But I am just trying to make the point that ultimately you will probably be the one left holding the bill if anything goes wrong.

:2cents:

[Canti]

I guess its all out of my own piggy bank. So how's does a track day actually work? Can the rider go on their own pace with feeling pressure to ride faster? Does the different groups take turns using the track? Can anyone walk in PIR, watch as a spectator. I ask because I never been in a race track environment at all.

Thanks.

[MTS620]

I guess its all out of my own piggy bank. So how's does a track day actually work? Can the rider go on their own pace with feeling pressure to ride faster? Does the different groups take turns using the track? Can anyone walk in PIR, watch as a spectator. I ask because I never been in a race track environment at all.

Thanks.I've just done one track day via Motocorsa, but it was no problem for people to watch the event. I'd assume it's the same for other groups that do track days.

[dansrc51]

I guess its all out of my own piggy bank. So how's does a track day actually work? Can the rider go on their own pace with feeling pressure to ride faster? Does the different groups take turns using the track? Can anyone walk in PIR, watch as a spectator. I ask because I never been in a race track environment at all.

Thanks.Pacific Supersport riders (PSSR) has three groups, as do many track day organizations. C group, or beginner group (where I ride) is a total no pressure group. You go out on the track behind an instructor and follow them around the track. They monitor you for riding behavior and educate you at the end of the 20 minute session. The first half of the day is all following the instructor, and the second half is ride at your own pace, no passing on the corners or on the inside of people. During the second half, instructors follow you at random and try to coach you. B group is similar to the second half of the day for C group, except it is all day and there is passing on the outside of corners. A goup is passing inside and out. pretty fast and furious bunch. Watching is free (for some orgaizations, mostly as long as there is no racing event) and I think, at least for me it is very low pressure. I was hooked after the first day and I am a total junkie for it now.


To Tom's point, I would not bring your ride if wrecking in means financial ruin, or serious consequence. I plan on selling my RC51 after my May trackday so that I can buy something a little easier to repair if I bin it. It's not that I expect to, I just don't want to be in the poor house if I do..... I'm thinking an SV650 might be the ticket for me....

[Canti]

Yeah, I think I'll watch first and than decide if I want to do a track day. So anyone here planning to go to PIR anytime soon?

[roadrunner]

selling my RC51..

someone will love it. i got to ride one and dayum!! its the sportB that i feel fits me best. i for sure would have no license if i had to ride one of those... lol

[dansrc51]

someone will love it. i got to ride one and dayum!! its the sportB that i feel fits me best. i for sure would have no license if i had to ride one of those... lolyeah, 27,000 miles and not one ticket! I've gotten soft in my old age :rolleyes:


I'll be going in May if you want to come and watch