My first time on race track, what should i expect
09-27-2005, 03:54 PM
#157
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The vast majority of insurance policies have been ammended to specifically exclude coverage for HPDE and auto-x. If you damage the car during an HPDE, you risk having your insurance company drop your coverage if you file a claim for an incident that occurred at the track.
09-27-2005, 04:07 PM
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Originally Posted by ZoomZoomH
yup, pretty much all the major insurance companies have some sort of clause excluding HPDE and autox's now
moral of story? DRIVE CAREFULLY when you're on track, especially if it's your primary vehicle, track-only car? yea go ahead and go nuts :o
moral of story? DRIVE CAREFULLY when you're on track, especially if it's your primary vehicle, track-only car? yea go ahead and go nuts :o
09-27-2005, 04:12 PM
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Originally Posted by Machan
you can get a special policy to cover you for track and autocross. Policy is cheap but deductibles are high.
09-27-2005, 04:19 PM
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Originally Posted by 124Spider
And as I understand it, it's a "one bite at the apple" situation, meaning that you can't get a second policy after using it once.
09-27-2005, 04:24 PM
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Originally Posted by willhave8
Has anyone inquired about Riders to cover HPDE / Auto-X? Possible? Cost?
cost is 1.5% of the value insured and their is a 20% deductible if you smack it up on the track and a $1000 if you have an incident in the paddock/transit.
For example,
my RX-8 is insured for $20,000 which costs $300/year. If I smack it up (bad) on the track, the first $4k in damage comes out of my pocket.
This covered is only for PDI (Physical Damage Insurance) for my vehicle. There is no liability coverage but many schools/clubs (SCCA, NASA) will provide that for you.
And I agree with ZoomZoomH when he said drive carefully on the track. And if anyone tells you spinning and offs build character or you need to make mistakes in order to learn from them is wrong. There is no need to drive 10/10th all the time either and sometimes you end up being faster when you aren't pushing yourself too hard because you make fewer mistakes.
Last edited by Matt RX8; 09-27-2005 at 04:29 PM.
09-28-2005, 10:25 PM
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Originally Posted by Machan
And I agree with ZoomZoomH when he said drive carefully on the track. And if anyone tells you spinning and offs build character or you need to make mistakes in order to learn from them is wrong. There is no need to drive 10/10th all the time either and sometimes you end up being faster when you aren't pushing yourself too hard because you make fewer mistakes.
There's a very high speed turn at our local track (Pacific Raceways outside of Seattle), that is taken at or near full throttle (depends on your nerve), but it has a blind apex, and the track is very choppy there, which is also the crest of a rise. My car has a lot of bump-steer, and I really never like the rear end stepping out at 130mph, so I tend to keep my speed down to 120 or so, at which my car behaves much better.
If I were racing, it would be different, but I'm only trying to drive the best I can on the track, and then to drive that same car home at the end of the day.
Last edited by 124Spider; 09-28-2005 at 10:32 PM.
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