| Author | Message | ||
     Tatsu |
Okay I know that this may be a dumb question, but I'm going to ask any way. I have been really considering doing a track day. If you wreck your bike, did your insurance company cover the damage or were you out on your own? | ||
| Mikej |
Technically, if you're on a track you're on your own, otherwise how are you going to fill out the accident report. "I came into turn 3 a little hot and the dude on the red Honda in front of me ran a little wide so I augered off into the gravel" ? "That's racin", as the saying goes. | ||
| M1combat |
I believe that you can sometimes convince them that it was a learning experience. DO NOT time your laps. | ||
| Uwgriz |
I've always heard the your on your own bit. | ||
| Tatsu |
Yeah I thought so. Guess I need to buy another bike. | ||
| Brupska |
Don't wreck. LOL. If you do a track day don't ride so hard and make sure you have the best safety gear you can afford. | ||
| Davegess |
Pridmore's school uses the no racing thing to hoepfully keep your insurance in force. pretty much all policies have a no racing clause so track days could be a problem. | ||
| Citycrosser |
My insurance agent told that if it is a street riding school that is held at a track then the insurance will cover it. If it is a race school, then they will not. | ||
| Flick |
Any track days I have attended, you were not allowed to pass, except on the longer straight sections, and you were chewed out big time if you pulled any "funny stuff" (i.e. stunting, cutting your buddies off in the corners, etc..). I doubt if your insurance would cover a collision under track conditions though. I think you would have to be a really good liar to get insurance coverage on the track... | ||
| Josh_ |
Talk to your agent first. Mine says as long as you don't time it you're ok. 'Course that kind of leaves out drag racing. | ||
| Wyckedflesh |
Some insurance companies are offering Track insurance for bikes so that you can do trackdays and or race. For the race insurance I beleive they need a copy of your racing liscence but when I looked into it for mine the rate was like $45 extra per year as long as I did not participate on a level where passing was legal in corners. | ||
| Starter |
The only way to be really sure is to truthfully ask the insurance agent. You could try to tell them a heap of BS but as soon as you need to claim they'll be verifying your BS. Not hiding things from insurance is the only way to go as they are more than happy to do a little leg work to deny claims. | ||
| Dcmortalcoil |
Are you sure you are not there to "learn" how to improve your bike handling ability? It's a part of a safety course? No? | ||
| Norrisperformance |
I asked my state farm agent that question in 2002. I had a zx9r insured with them. They canceled my insurance on the bike. Don't ask don't tell !!!!!!!!!!!!!!!!!!! | ||
| Thansesxb9rs |
Can't a bike fall off the trailer every once in awhile? | ||
| Yohinan |
Well I am sure that we all know insurance companies are out to make a buck. If they can deny a claim for any retarded reason they will. So I say if you want to full out race with your bike on the track then do it. If you crash and burn throw the trashed bike in your truck or your buddies truck. Wait till the next day or the day after and then call your insurance company and say you wiped out going down whatever street you want. Or heck if they want to see the marking on the street just say your bike went over a small cliff and you had a wrecker pull it back up. What would be so hard about that? I have been screwed over by several insurance companies for legit claims. After three times of that you pretty much could care less about what your insurance company thinks. John | ||
| Tatsu |
The way it's set up here. Is three groups. Group 1 only allows passing on the FRONT straight and u ride with an instructor. Group 2 only allows passing on the FRONT and BACK straight, no instructor. Group 3 is considered race practice. Passing may be done in a safe controlled manner. I'm gonna give my insurance company a call and see what they say. | ||
| Mbsween |
My fried put a 96 eclipse GSX out in turn 1 at summit point during a track masters event. he made it far enough to jump the retaining wall and land in the skip pad on the other side. I believe he clipped a tree somewhere along the way. Major damage/undriveable car. Insurance covered the whole thing. The rule for him was if he was racing no deal, but since it was "driver training" he was covered. I'm sure your mileage will vary.... | ||
| Tatsu |
Well just got off the phone with the company and they said would NOT BE COVERED, cause the event is considered RACING and therefore unacceptable. | ||
| Coolice |
I can offer this. I attended CLASS schools at Road America for 6 years straight. School being the key word. 2 years ago I had a incident 2 hours into the 2-day school (on my XB9R) and resulted in broken collarbone,ribs, shoulder blade. As the days turned into weeks, the bills started to come in. I had contacted my medical insurance and they picked up claims until the ambulance bill surfaced, picked up on track! That changed everything. BUT my motorcycle policy had medical on it. THANKFULLY. The m/c insurance co. was great AFTER I proved to them, THANKS to Reg Pridmore, that CLASS is a SCHOOL. SCHOOL being a key word. All the bills minus a deductable for me were covered. My bike I paid for, $550 worth, not bad cause for me it was over $12,000. So get medical coverage on your bike policy. And do SCHOOLS, not track days if your concerned. Thats my story. | ||
| Tatsu |
Thanks Coolice.. I just email the track director to see what the exact terminology for this is class. It's called TRACK day, but I'm gonna see. |
