| Mykl | 09-26-2006 10:02 PM |
[QUOTE=dibblejr;15395682][url]http://www.badfaithinsurance.org[/url] [/QUOTE]
Thanks!
Thanks!
| dibblejr | 09-26-2006 10:07 PM |
My entire report is posted somewhere in the badfaith site.
| japakazol | 09-26-2006 10:08 PM |
Wow this is so horrible. I used to swear by USAA. My freaking WRX is financed through them and so is my credit card. I used to have insurance with them but Mercury is cheaper!@
| dibblejr | 09-26-2006 10:08 PM |
That person looking at state farm they are in the worst three for badfaith/ unpaid claims
| Mykl | 09-26-2006 10:08 PM |
I think soon I'll start calling some of the higher rated insurance companies for quotes and to see if I can get insurance in my location. Now I'm happy I didn't bother calling State Farm... lol
| Patrick Olsen | 09-26-2006 10:09 PM |
With respect to Jay and fastwrx, these are isolated cases. I'm sure there are similar stories out there for other insurance companies, too. I've read on other forums that some of the big insurance companies have changed the wording in their policies to be more restrictive - specifically stating that any damage incurred on a race track will not be covered. Nothing about timed events or competitive events, simply that [i]any[/i] activity on a race track won't be covered.
My family has been with USAA for 40 years, starting with my parents and expanding to the 4 kids. I think only my oldest brother is no longer with USAA (since his mother-in-law is an insurance agent and has access to good deals). I can't tell you how many cars we went through, particularly when the 4 kids were going through the teen driving years! :lol:
I totalled a car at Lime Rock Park during an HPDE, reported it truthfully, and had my loss covered completely by USAA. I've personally spoken to two other people with USAA who had track incidents covered with no problems. Admittedly, they dropped me the next time my insurance came up for renewal, but that was due to my record (3 tickets and a fender bender in a short time period). I went 3 years with Progressive, the cheapest company I could find [b]at 3x as expensive as USAA[/b], for 3 years to get my record clean, and I'm now back with USAA. They didn't ask about how I used my cars. The wording of the exlusion section in my policy is almost exactly the same as it was before, so it doesn't seem to me that USAA's policy is that restrictive.
Pat Olsen
'97 Legacy 2.5GT sedan
My family has been with USAA for 40 years, starting with my parents and expanding to the 4 kids. I think only my oldest brother is no longer with USAA (since his mother-in-law is an insurance agent and has access to good deals). I can't tell you how many cars we went through, particularly when the 4 kids were going through the teen driving years! :lol:
I totalled a car at Lime Rock Park during an HPDE, reported it truthfully, and had my loss covered completely by USAA. I've personally spoken to two other people with USAA who had track incidents covered with no problems. Admittedly, they dropped me the next time my insurance came up for renewal, but that was due to my record (3 tickets and a fender bender in a short time period). I went 3 years with Progressive, the cheapest company I could find [b]at 3x as expensive as USAA[/b], for 3 years to get my record clean, and I'm now back with USAA. They didn't ask about how I used my cars. The wording of the exlusion section in my policy is almost exactly the same as it was before, so it doesn't seem to me that USAA's policy is that restrictive.
Pat Olsen
'97 Legacy 2.5GT sedan
| dibblejr | 09-26-2006 10:12 PM |
Dude
I was a recruiter and all of my deps had to get a bank account, guess who I reffered everyone to USAA. Not to mention all my friends.
Prior to the late 80's USAA only insurred or delt with military officers. A general that was a board member asked me if I wanted to join, I was one of the first enlisted to be able to join.
I forgot to mention that they increased my home ins to 700% of what I was paying before the dispute. My house was valued an 60,000 and USAA wanted / required me to pay for 700,000 in insurance so I was forced to find ins elswhere.
[QUOTE=japakazol;15396131]Wow this is so horrible. I used to swear by USAA. My freaking WRX is financed through them and so is my credit card. I used to have insurance with them but Mercury is cheaper!@[/QUOTE]
I was a recruiter and all of my deps had to get a bank account, guess who I reffered everyone to USAA. Not to mention all my friends.
Prior to the late 80's USAA only insurred or delt with military officers. A general that was a board member asked me if I wanted to join, I was one of the first enlisted to be able to join.
I forgot to mention that they increased my home ins to 700% of what I was paying before the dispute. My house was valued an 60,000 and USAA wanted / required me to pay for 700,000 in insurance so I was forced to find ins elswhere.
[QUOTE=japakazol;15396131]Wow this is so horrible. I used to swear by USAA. My freaking WRX is financed through them and so is my credit card. I used to have insurance with them but Mercury is cheaper!@[/QUOTE]
| Impreza01 | 09-26-2006 10:19 PM |
[QUOTE=dibblejr;15395682]18) I get a whopping $70-90 a month and if she misses one payment no questions asked she goes to jail
It did cost me a lot of time and hassle, but she got her justice served, I would rather see her in jail but she gets to laugh because I lost what i thought was a good insurance company.
[/QUOTE]
See, this is where you stop cashing one or two checks of hers and claim she never paid. THEN justice will really be served.
It did cost me a lot of time and hassle, but she got her justice served, I would rather see her in jail but she gets to laugh because I lost what i thought was a good insurance company.
[/QUOTE]
See, this is where you stop cashing one or two checks of hers and claim she never paid. THEN justice will really be served.
| dibblejr | 09-26-2006 10:21 PM |
Yeah thats how I thought, I got my son with them, but after they dropped me and I was paying for his ins I switched his with mine.
If you look at the site in my post badfaith..... you will find more of the same stories with USAA as well as other companies.
I did everything by the book, but they found the loop hole of me being in NY and my car being in AL on a lot. Since they couldnt get anything from the business owners insurance ( they had no ins) they came after me.
With my injuries I will probably die before I recoup the $'s at $90 a month from the owner.
I would much rather see her go to jail.
To everyone else out their that is a member of USAA by no means drop them, just be careful about what you do with your cars.
You will not find a more affordable military friendly company, I just had a bad 1.5 years.
[COLOR="Red"]**************8IF YOU ARE A MEMBER OF USAA STAY WITH THEM****
JUST USE MY HARDSHIP TO HELP YOU LEARN FROM MY MISTAKE*****[/COLOR]
[QUOTE=Patrick Olsen;15396154]With respect to Jay and fastwrx, these are isolated cases. I'm sure there are similar stories out there for other insurance companies, too. I've read on other forums that some of the big insurance companies have changed the wording in their policies to be more restrictive - specifically stating that any damage incurred on a race track will not be covered. Nothing about timed events or competitive events, simply that [i]any[/i] activity on a race track won't be covered.
My family has been with USAA for 40 years, starting with my parents and expanding to the 4 kids. I think only my oldest brother is no longer with USAA (since his mother-in-law is an insurance agent and has access to good deals). I can't tell you how many cars we went through, particularly when the 4 kids were going through the teen driving years! :lol:
I totalled a car at Lime Rock Park during an HPDE, reported it truthfully, and had my loss covered completely by USAA. I've personally spoken to two other people with USAA who had track incidents covered with no problems. Admittedly, they dropped me the next time my insurance came up for renewal, but that was due to my record (3 tickets and a fender bender in a short time period). I went 3 years with Progressive, the cheapest company I could find [b]at 3x as expensive as USAA[/b], for 3 years to get my record clean, and I'm now back with USAA. They didn't ask about how I used my cars. The wording of the exlusion section in my policy is almost exactly the same as it was before, so it doesn't seem to me that USAA's policy is that restrictive.
Pat Olsen
'97 Legacy 2.5GT sedan[/QUOTE]
If you look at the site in my post badfaith..... you will find more of the same stories with USAA as well as other companies.
I did everything by the book, but they found the loop hole of me being in NY and my car being in AL on a lot. Since they couldnt get anything from the business owners insurance ( they had no ins) they came after me.
With my injuries I will probably die before I recoup the $'s at $90 a month from the owner.
I would much rather see her go to jail.
To everyone else out their that is a member of USAA by no means drop them, just be careful about what you do with your cars.
You will not find a more affordable military friendly company, I just had a bad 1.5 years.
[COLOR="Red"]**************8IF YOU ARE A MEMBER OF USAA STAY WITH THEM****
JUST USE MY HARDSHIP TO HELP YOU LEARN FROM MY MISTAKE*****[/COLOR]
[QUOTE=Patrick Olsen;15396154]With respect to Jay and fastwrx, these are isolated cases. I'm sure there are similar stories out there for other insurance companies, too. I've read on other forums that some of the big insurance companies have changed the wording in their policies to be more restrictive - specifically stating that any damage incurred on a race track will not be covered. Nothing about timed events or competitive events, simply that [i]any[/i] activity on a race track won't be covered.
My family has been with USAA for 40 years, starting with my parents and expanding to the 4 kids. I think only my oldest brother is no longer with USAA (since his mother-in-law is an insurance agent and has access to good deals). I can't tell you how many cars we went through, particularly when the 4 kids were going through the teen driving years! :lol:
I totalled a car at Lime Rock Park during an HPDE, reported it truthfully, and had my loss covered completely by USAA. I've personally spoken to two other people with USAA who had track incidents covered with no problems. Admittedly, they dropped me the next time my insurance came up for renewal, but that was due to my record (3 tickets and a fender bender in a short time period). I went 3 years with Progressive, the cheapest company I could find [b]at 3x as expensive as USAA[/b], for 3 years to get my record clean, and I'm now back with USAA. They didn't ask about how I used my cars. The wording of the exlusion section in my policy is almost exactly the same as it was before, so it doesn't seem to me that USAA's policy is that restrictive.
Pat Olsen
'97 Legacy 2.5GT sedan[/QUOTE]
| dibblejr | 09-26-2006 10:24 PM |
[COLOR="Red"][B]IF YOU ARE A CURRENT MEMBER OF USAA STAY WITH THEM, YOU ARE A MEMBER OF THE ARMED FORCES OR RELATED TO A MEMBER? RETIRED MEMBER OF THE ARMED FORCES> YOU WILL NOT FIND A BETTER MILITARY AFFILIATED? FRIENDLY INS COMPANY... YOU KNOW WHAT I MEAN> USE MY MISFORTUNE TO LEARN FROM[/B][/COLOR]
| Garwin | 09-26-2006 10:26 PM |
I'm sorry about your situation. I hope I never go through something like that in my life.
As for State Farm, they are not the friendly neighborhood insurance company their commercials would like you to believe.
Just this morning, they got two whistleblowers from the inside regarding New Orleans homeowners involved with Katrina. I'm upset to be insured by State Farm after learning about this particular news.
As for State Farm, they are not the friendly neighborhood insurance company their commercials would like you to believe.
Just this morning, they got two whistleblowers from the inside regarding New Orleans homeowners involved with Katrina. I'm upset to be insured by State Farm after learning about this particular news.
| dibblejr | 09-26-2006 10:27 PM |
If you do not know how restitution is paid here it is..
She takes cash to the State Courthouse in Birmingham, AL, they annotate how much she paid to my case file then the state sends me a check, I wish it was that easy.
[QUOTE=Impreza01;15396284]See, this is where you stop cashing one or two checks of hers and claim she never paid. THEN justice will really be served.[/QUOTE]
She takes cash to the State Courthouse in Birmingham, AL, they annotate how much she paid to my case file then the state sends me a check, I wish it was that easy.
[QUOTE=Impreza01;15396284]See, this is where you stop cashing one or two checks of hers and claim she never paid. THEN justice will really be served.[/QUOTE]
| KevlarSTi | 01-09-2007 01:37 PM |
My family recently switched to USAA from State Farm (after State Farm tried to bend us over with the policy on my new STi - they quoted 270/month, we purchased the car, then they changed their quote to 340, and when the bill came, it was 450. USAA was 200 a month. I'm 18 with a perfect driving record). Anyway, my parents won't let me participate in autocrosses or HPDE's as they checked with USAA and were told those events aren't covered. I just called American Collectors Insurance to ask about a supplemental policy to cover Autocrosses and HPDE's, and the woman I spoke with had no idea what I was talking about, and said they don't offer such services. Any insight?
| fastwrx | 01-09-2007 01:55 PM |
I'm surprised USAA would even cover you after asking about HPDEs. They dropped my 23 year long policy (with no claims and no tickets EVER) with them just because I asked about HPDEs.
Amercian Collectors is no longer writing new HPDE policies, unfortunately. I still have mine and will keep it going. So, I don't know who else is offering such policies.
Mike
Amercian Collectors is no longer writing new HPDE policies, unfortunately. I still have mine and will keep it going. So, I don't know who else is offering such policies.
Mike
| leecea | 01-09-2007 01:59 PM |
[QUOTE]I just called American Collectors Insurance to ask about a supplemental policy to cover Autocrosses and HPDE's, and the woman I spoke with had no idea what I was talking about, and said they don't offer such services. Any insight?[/QUOTE]
That company requires 10 years driving experience for any coverage anyway.
That company requires 10 years driving experience for any coverage anyway.
| Freon | 01-09-2007 03:35 PM |
Kids,
http://en.wikipedia.org/wiki/Gambler's_fallacy
While getting into accidents isn't necessarily a "random event" like rolling dice or flipping a coin, several of you have used the gambler's fallacy (which is... a logical fallacy, thus cannot be used to support any logical argument) to support the idea insurance wouldn't want to insure a longtime safe driver.
There may be a reason to not insure a long time safe driver, but it patently isn't due to the reasons any of you have posted.
Oh well. Don't ask, don't tell. I'll take my chances at the dragstrip and occasional autocross myself.
http://en.wikipedia.org/wiki/Gambler's_fallacy
While getting into accidents isn't necessarily a "random event" like rolling dice or flipping a coin, several of you have used the gambler's fallacy (which is... a logical fallacy, thus cannot be used to support any logical argument) to support the idea insurance wouldn't want to insure a longtime safe driver.
There may be a reason to not insure a long time safe driver, but it patently isn't due to the reasons any of you have posted.
Oh well. Don't ask, don't tell. I'll take my chances at the dragstrip and occasional autocross myself.
| KevlarSTi | 01-09-2007 03:50 PM |
Ah, damn. Oh well.
| yeager | 01-09-2007 04:03 PM |
after an incident where my folks' dog nipped someone's hand who came through the front gate unannounced, my father called usaa just to give a heads-up. he was told to 'get rid of' the dog or find a new insurance company. he seethed at his long term membership (40+) and this affront to his patronage, but eventually put the ol' dog down. i never liked that ****ing dog anyway.
| cliogodess | 04-16-2009 05:26 PM |
First time ticket
�
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[quote=imprezziva;6591185]I have been using USAA for years and they have hands down been the best in terms of coverage and response. The only think I dont like USAA for is renters, it was a nightmare just getting a quote, went elsewhere for that.
Unlike you I have had tickets and accidents
Random question, but do you remember USAA's policy for first time tickets?
Unlike you I have had tickets and accidents
Random question, but do you remember USAA's policy for first time tickets?
| LastResort | 04-16-2009 05:44 PM |
I had two on my record at one point in time, and still had the maximum discount. YMMV
| emulous | 04-16-2009 05:59 PM |
[QUOTE=cliogodess;26378219][quote=imprezziva;6591185]I have been using USAA for years and they have hands down been the best in terms of coverage and response. The only think I dont like USAA for is renters, it was a nightmare just getting a quote, went elsewhere for that.
Unlike you I have had tickets and accidents
Random question, but do you remember USAA's policy for first time tickets?[/QUOTE]
I had no problems getting homeowner's or renter's insurance for them, except in the costal states they are refusing to write new policies. In Florida they wouldn't write me a renter's policy for my parent's guest house (which is already insured by USAA), when I moved to New Orleans they won't insure a home, but they will give me renter's insurance.
I've had several speeding tickets while being isnured by USAA and they never raised my rates, but I've moved a lot and never had a speeding ticket in the state in which I held a driver's license from. My rates did go up when my policy renewed after I had an accident that was my fault, it did not go up the times I had an accident where the other driver was found at fault.
Through the years, USAA has been dropping in my opinion on how they do business, it's not about the customer's anymore and the employees seem to be not as good as the previous times I've called to do business with them.
Unlike you I have had tickets and accidents
Random question, but do you remember USAA's policy for first time tickets?[/QUOTE]
I had no problems getting homeowner's or renter's insurance for them, except in the costal states they are refusing to write new policies. In Florida they wouldn't write me a renter's policy for my parent's guest house (which is already insured by USAA), when I moved to New Orleans they won't insure a home, but they will give me renter's insurance.
I've had several speeding tickets while being isnured by USAA and they never raised my rates, but I've moved a lot and never had a speeding ticket in the state in which I held a driver's license from. My rates did go up when my policy renewed after I had an accident that was my fault, it did not go up the times I had an accident where the other driver was found at fault.
Through the years, USAA has been dropping in my opinion on how they do business, it's not about the customer's anymore and the employees seem to be not as good as the previous times I've called to do business with them.
| Ralliart4 | 04-16-2009 09:00 PM |
Well that really does not surprise me coming from USAA. They really do give very good coverage but they drop you FAST as HECK!!
They tried to pull that with me after several months too and told them that:
1. I am a certified defensive driving instructor
2. I am a certified Emergency Vehicles Operators Course instructor
3. I am a licensed EMT and operate as that for our base
Pretty much what I said was after all of that if you decide to drop me you are all foolish.
They tried to pull that with me after several months too and told them that:
1. I am a certified defensive driving instructor
2. I am a certified Emergency Vehicles Operators Course instructor
3. I am a licensed EMT and operate as that for our base
Pretty much what I said was after all of that if you decide to drop me you are all foolish.
| growling_boxer | 09-13-2009 03:02 PM |
Interesting that some people get their claims covered by USAA being honest about being in an HPDE, and others are dropped for inquiring. When I inquired two years ago (before my first HPDE), I was told that I would be covered as long as I was not participating in a timed or competitive event.
details of my phone call to USAA as I remember it:
I inquired about attending a high performance driver's education school on private land. The woman sounded very cautious and made sure to ask lots of questions. She stated that I am covered on private land if it was not a competition event. I explained that I was only participating in driver's education, and that for my first few times, I would even have an instructor in the car with me. I also explained that there was classroom time associated with the event. She asked if there would be any timing at the event. So, I explained that although there would be race cars at the event, they would be on course at a different time, and I would only be out on course with other students in a non-timed session. She explained that as long as I was not driving in one of the timed sessions, that there was no exclusion in my policy to prevent me from being covered.
I hope I never need to make a claim for anything on course, but if I do, I am under the impression that it will be covered for HPDE as long as I stay out of the advanced run group, which also includes our time trial competitiors.
details of my phone call to USAA as I remember it:
I inquired about attending a high performance driver's education school on private land. The woman sounded very cautious and made sure to ask lots of questions. She stated that I am covered on private land if it was not a competition event. I explained that I was only participating in driver's education, and that for my first few times, I would even have an instructor in the car with me. I also explained that there was classroom time associated with the event. She asked if there would be any timing at the event. So, I explained that although there would be race cars at the event, they would be on course at a different time, and I would only be out on course with other students in a non-timed session. She explained that as long as I was not driving in one of the timed sessions, that there was no exclusion in my policy to prevent me from being covered.
I hope I never need to make a claim for anything on course, but if I do, I am under the impression that it will be covered for HPDE as long as I stay out of the advanced run group, which also includes our time trial competitiors.
| Gonz | 09-14-2009 10:23 AM |
insurance companies are regulated by state law. So if you policy is written in PA, it may not apply to the original poster in FLA.
| bp_968 | 09-14-2009 08:02 PM |
I'm surprised by how many people are willing to bend over backwards for the insurance company. If a insurance company called me and said they were thinking of canceling me for an inquiry (with the good record I have) I'd drop them myself while they were on the phone. Save the jerks the effort of deciding. :mad: And I'd have a new policy a couple hours later for a similar or better price.
Unless you play bumper cars after work on the way home everyday you should be able to find a new carrier within a few hours of work with google.
I have been with progressive for a long time and was with Nationwide before that. Nationwide paid out more then I ever paid them (sorry guys!) and were a pain to get things done with (again, I was expensive so I don't blame them).
I've made two claims with progressive (my cheap 250$ pioneer head units were really popular there for a while it seems) and both were quick and painless and my rates are great.
Unless you play bumper cars after work on the way home everyday you should be able to find a new carrier within a few hours of work with google.
I have been with progressive for a long time and was with Nationwide before that. Nationwide paid out more then I ever paid them (sorry guys!) and were a pain to get things done with (again, I was expensive so I don't blame them).
I've made two claims with progressive (my cheap 250$ pioneer head units were really popular there for a while it seems) and both were quick and painless and my rates are great.
| turboICE | 09-15-2009 02:09 AM |
This isn't news really. It has been discussed at length previously in regards to insurance in general but also with regards to USAA in particular.
When my 2003 WRX was stolen and totaled USAA asked me about the purpose of my modifications and I told them about my uses. They covered the claim fully and fairly and told me I would be cancelled at the end of my term. They were straight forward - from an underwriting perspective they have no experience ratings and the risk is unique and outside of the risks they are willing to cover. In particular they are reasonably concerned about the risk they would be expected to cover under state laws while having no provisions through state pricing to charge premiums for those risks.
Part of the problem is that people think insurance companies are required to accept whatever risks an insured is seeking to pass to them. The contract is to pass specified insurable risks for an agreed upon premium. They have every right not to enter into any contract at all, but they have a fiduciary obligation to existing policy holders to not enter into contracts they can't underwrite or charge a premium for. The typical auto insurer can't put the rest of their book of business at risk by speculating on unique coverage.
Some of this also a state by state issue. Personally, I think every track day enthusiast should engage their state insurance department to expand as much as possible the ability for insurers to underwrite and charge a premium for our risk. Then we can go to the insurers who choose to persue that business.
When my 2003 WRX was stolen and totaled USAA asked me about the purpose of my modifications and I told them about my uses. They covered the claim fully and fairly and told me I would be cancelled at the end of my term. They were straight forward - from an underwriting perspective they have no experience ratings and the risk is unique and outside of the risks they are willing to cover. In particular they are reasonably concerned about the risk they would be expected to cover under state laws while having no provisions through state pricing to charge premiums for those risks.
Part of the problem is that people think insurance companies are required to accept whatever risks an insured is seeking to pass to them. The contract is to pass specified insurable risks for an agreed upon premium. They have every right not to enter into any contract at all, but they have a fiduciary obligation to existing policy holders to not enter into contracts they can't underwrite or charge a premium for. The typical auto insurer can't put the rest of their book of business at risk by speculating on unique coverage.
Some of this also a state by state issue. Personally, I think every track day enthusiast should engage their state insurance department to expand as much as possible the ability for insurers to underwrite and charge a premium for our risk. Then we can go to the insurers who choose to persue that business.
| udelslayer | 09-15-2009 07:19 AM |
So is there a preferred insurance for modified cars and/or vehicles that are driven at "sporting" events. This is like your medical insurance deciding to drop you because you train and play football and arent a professional athlete.
| leecea | 09-15-2009 10:42 AM |
[quote=udelslayer;28133811]So is there a preferred insurance for modified cars and/or vehicles that are driven at "sporting" events. This is like your medical insurance deciding to drop you because you train and play football and arent a professional athlete.[/quote]
Actually a lot of insurance programs look at things like this. Do you smoke, do you ride a motorcycle, are you a mountain climber... these things will change their perception of your risk and may result in exclusions or cost increases for Life or Health policies.
As the previous poster wrote, they don't have enough data to understand the risk profile for HPDE participants, so they can't structure a policy for it.
It's partly the community's fault. You try and find stats for how many people run HPDEs and how many have accidents or injuries. With no data there can be no sensible way to price a policy.
Actually a lot of insurance programs look at things like this. Do you smoke, do you ride a motorcycle, are you a mountain climber... these things will change their perception of your risk and may result in exclusions or cost increases for Life or Health policies.
As the previous poster wrote, they don't have enough data to understand the risk profile for HPDE participants, so they can't structure a policy for it.
It's partly the community's fault. You try and find stats for how many people run HPDEs and how many have accidents or injuries. With no data there can be no sensible way to price a policy.
| turboICE | 09-15-2009 04:04 PM |
Even for the specialty coverage, there are issues. Some are prohibitively expensive. Some are more reasonable but they will only provide coverage if the organizer follows very strict safety policies (although policies I think are reasonable for risk reduction).
For instance there is one policy that requires the organizer to end the day for any particpant that goes four off twice, even if that participant is not covered. They simply will not provide coverage to any one at the event if any participant is permitted to continue on track if they have been shown to be that "reckless". This one in particular could be a problem for me since I have been known at times to have very broad interpretations of the line.
For instance there is one policy that requires the organizer to end the day for any particpant that goes four off twice, even if that participant is not covered. They simply will not provide coverage to any one at the event if any participant is permitted to continue on track if they have been shown to be that "reckless". This one in particular could be a problem for me since I have been known at times to have very broad interpretations of the line.
| REX8 | 09-15-2009 10:05 PM |
[quote=turboICE;28139527]Even for the specialty coverage, there are issues. Some are prohibitively expensive. Some are more reasonable but they will only provide coverage if the organizer follows very strict safety policies (although policies I think are reasonable for risk reduction).
For instance there is one policy that requires the organizer to end the day for any particpant that goes four off twice, even if that participant is not covered. They simply will not provide coverage to any one at the event if any participant is permitted to continue on track if they have been shown to be that "reckless". This one in particular could be a problem for me since I have been known at times to have very broad interpretations of the line.[/quote]
Every club I run with sends you home if you put 4 off twice.
For instance there is one policy that requires the organizer to end the day for any particpant that goes four off twice, even if that participant is not covered. They simply will not provide coverage to any one at the event if any participant is permitted to continue on track if they have been shown to be that "reckless". This one in particular could be a problem for me since I have been known at times to have very broad interpretations of the line.[/quote]
Every club I run with sends you home if you put 4 off twice.
| JM530 | 09-15-2009 10:13 PM |
Not sure if already posted in here, but there is a specialty carrier who does a fairly good job of writing policies for HPDE's. I will try to find the email/site somewhere, but I had spoken to an underwriter a while back and (if I remember correctly) it would have cost me about $1000-$1200 for the year/season for my 08 STI, with a $5000 deductible and they had a list of pre-approved organizations on their site, as well as having the chance to request an organization be added/added just for you. That's not bad IMHO at all, compared to the alternative of having your car totaled and no coverage whatsoever if you can't "lie/be creative" with your own auto insurance carrier. I will keep looking for the info and post it up.
| JM530 | 09-15-2009 10:28 PM |
I believe this is them:
[url]http://hpdeins.locktonaffinity.com/Default.aspx?cID=31[/url]
looks pretty neat as far as one time events/policies, decent premiums and deductibles, especially compared to "no coverage", that's for sure.
[url]http://hpdeins.locktonaffinity.com/Default.aspx?cID=31[/url]
looks pretty neat as far as one time events/policies, decent premiums and deductibles, especially compared to "no coverage", that's for sure.
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