altiain

iTrader: (3)

----> Linkie <----

I've never had Geico, and I'm glad. If you do, you might want to take a look at an alternate carrier. Don't support companies that unfairly penalize enthusiasts for participating in perfectly legal activities.

lone_wolf025

Wow that's pretty harsh. I don't see why they'd cancel it in the first place seeing as how most regular auto insurance companies don't cover any sort of timed event to begin with. Seems to me they were doing it just because they can.

bsteimel

iTrader: (5)

I dont' understand why I hear about this. SCCA has there own insurance and I think we all realize that if something would happen at a SCCA event or track event that our insurance would probably not cover it. So why then should the insurance company care. Are they some how reasoning that because you performing some type of racing event your a more dangerous driver?

I think its BS especially without you even filing a claim

Racer516

What would they do if they covered a professional driver?

Dear Mr. Gordon,

We have just learned that you have won the Daytona 500 and we will be dropping you as a client. Congratulations!

pianoman

This popped up in the DSM community about 2-3 years ago.

A member got a letter in the mail stating that they were dropping him due to the fact that they caught him drag racing at a local TRACK! Not only that, but they had pictures of his car!

Just make sure you take off your license plate before you race, drag or scca or any other sanctioned racing...

Phish806

iTrader: (4)

at one of the local drag stips here there was someone from an auto insurance company taking down plate numbers. they woudl later check and see if they were insured by thier company and cancel the policy. i htink they believe that if your into the racing scene of any kind then it is an example of how you drive on the street.

yale02

iTrader: (16)

Thanks for posting this... canceled!

yale02

iTrader: (16)

Ha ha! Jerks!

Scrapin 240

iTrader: (5)

i have seen this all over a lot of forums from the same person. I have heard of people with SCCA racing licenses get denied by GEICO. But also, people with racing/track experience are usually better drivers than people without, and tend to get into accidents less (or I would believe) since they have better car control techniques. GEICO should do that study and see the results.

CosmosMpower

I'd love to see that but of course those guys are so rich they're probably just self-insured.

Aero8

Geico: Saving you hundreds on car insurance! While not providing coverage.

expo1

Insurance companies don't get big paying out claims left and right. People also shouldn't cancel policies based on posts on a board. Over HERE
Progressive is the bad company and Geico is better. Bottom line is the HPDE loophole will soon be closed by all companies so when you take your car on ANY type of track you should be prepared to have zero insurance & warranty. Verbal 'OK's' from an agent will also mean nothing against the fine print of the policy. If your not sure what kind of covarge you have get it explained in writing.

mwood

Geico is also one of the biggest contributors to the draconian NHTSA (the alarmist agency made infamous by that prime time idiot, Joan Claybrook) and biggest providers of speed trap photo equipment and also got into big trouble for denying coverage to a "black list" of specific makes/models of cars a few years ago.

don't let the cute little Gecko fool you, these guys are evil

staticlag

All insurance companies are evil

Geico wanted 5K a year in motorcycle insurance from me.

Um, sweet. Okay geico I will pay you 1/2 the cost of the bike just for you to insure it each year, sweet.

SouthFL

Use timing equipment on your car and your policy is void. Time Trial is all about using timing equipment. Even using timing equipment on your street car at an HPDE voids your policy.

Huskyfan23

There is a racing exclusion in almost every policy where if you are involved in an organized racing event (such as at the track) and you get into an accident the claim will be denied.

that being said, I can definitely see why they don't want him to be a customer of theirs anymore. I'm just surprised they went to the effort of actually looking him up online...Geico has millions of insureds, I highly doubt they do that for everyone.

Huskyfan23

That's ridiculous. Progressive is in no way an "evil" company, not moreso than any other ins. company....if anything, Progressive is known for it's high quality of claims service. It is true that organized racing is an exclusion, but who is stupid enough to think that any insurance company would cover an accident that happens on a track? No coverage is ever allowed by any insurance company in that situation.

Oh, and did you know that street racing or any sort of "unorganized" race is covered by most insurance companies? If you pull up next to someone at a stoplight and decide to race, that is not considered organized and would be covered. A lot of people don't know that.

olddragger

iTrader: (3)

I hate insurance companies. i dont hate most people that work for them--they are just like me--trying to pay off the credit card.
i have been in Health care x 30 yrs and I have heard ALL the sweet talk. Insurance companies are all about making money --that is all. Some do a little better job providing the services you are paying for---NONE have the individual in mind.
oscd

Huskyfan23

That's every business, though. Every business is for the bottom dollar, no business cares one cent about the individual. Even when companies seem like they're doing the right thing, like cutting you a "deal", they are looking for repeat business or word of mouth. Hospitals, car dealerships, insurance companies, credit card companies and credit card consolidation groups.......they're all about the bottom line.

Did you know that most ambulance services are owned privately? You know how much money it costs per ambulance ride? It's around $1,000. Insane.

Senna

Anyone carry track day insurance thru a separate company like prosure.net?? Just wondering what the rates and service quality was like?

Expo...comments?

Flashwing

The issue that I have is the fact that when you look at the situation of being unable to track your car witout the fear of being dropped from your insurance and combine that with the fact that most states require auto insurance...I'm almost unable to use my vehicle how I want to. Nevermind that I own the vehicle and it's operation off of public roads should be no business except my own.

While I can't argue with HPDE events because those do pose, in my opinion, more risk to your vehicle than autocross does...both types of events don't provide any more or less danger than what you would encounter on public roadways.

Indeed I could see your insurance company denying a claim if you wrecked on the track, but the fact that these companies are pro-active in finding people who are racing and cancel them before an accident even occurs is totally bogus.

Frankly this would easily be something the market could take care of but with state law requiring auto insurance you're limited in risks you can take. Indirectly thse companies prevent people from operating their vehicles in a perfectly legal manner.

Speed camera are no doubt going to become everyone's problem soon. Arizona has been testing these cameras on the highways and the city of Scottsdale has raked in 10's of millions of dollars in virturally free revenue. The city of Prescott has speed cameras in areas which are not heavily driven, not high risk accident areas, and created a 45 then 35 then back to 45 mph zone for these cameras.

The wonderful AZ governor is looking to expand speed cameras because of the faulting state budget. Nothing like balancing the budget on the backs of AZ drivers.

expo1

Quote:

Originally Posted by Senna

Expo...comments?

Track insurance is not available to me in New Jersey. NJ Auto Ins market is messed up enough for the street. The club I drive with is very strict on the drivers attending classes in-between runs and doesn't time or give out any awards. They are sticking to the hpDE model as close as they can. But strange things can happen, I almost got wrecked sitting parked at the gridTHREAD Now that would have been a nice thing to explain to Geico on how my car was hit by a 100 MPH upsidedown flying EVO VII. What I think would happen in the end is a claim being paid and I would be dropped later. But everyone that drives on track should have it in the back of their mind they could have zero coverage & warranty when tracking your car. Can't afford to walk away from it , don't do it.

Wind Dance

iTrader: (7)

I have Geico and participated in auto-x, drag, and so forth. Never had a problem...

Senna

That is freaky!! You figure the straightaway would be pretty safe. However, you do get a mix of people with varying levels of equipment, experience, and judgment at HPDE's. I hate the thought of having to fork out more $ for separate track insurance but I rate peace of mind pretty highly. I'm not sure what Allstate's policy is but I doubt they're keen to cover track cars.

Senna

Did they know what you were doing with the car?