DD used as a rally car? Insurrance? - Focus Fanatics
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Old 05-18-2011, 06:50 PM   #1
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Arrow DD used as a rally car? Insurrance?

So was watching a video of a guy using his DD at the track, and was wondering....?

What happens if you crash your car racing it at a rally track? Will insurance cover it? Or are you shoot out of luck?

Or do insurance companies offer a certain coverage for Daily driving and mild track use?

Thanks, just wondering what would happen if I went to a rally meet and flipped my car many times or something to total it?


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Old 05-18-2011, 06:51 PM   #2
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i don't think insurance covers racing. unless you tell them you race in which case bend over.
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Old 05-18-2011, 07:17 PM   #3
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Push it out to the road and come up with a really good story :D

Edit: I am in no way recommending that a person involved in an incident in which a car is damaged make an attempt to commit fraud in any way, and I am only mentioning it in passing as a humorous remark ;)
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Old 05-18-2011, 07:45 PM   #4
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Originally Posted by wrc_fan View Post
Push it out to the road and come up with a really good story :D
That's your best bet lol.
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Old 05-18-2011, 10:10 PM   #5
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I had a friend who was involved in an accident on a transit stage at 100 Acre Wood in Missouri years ago. It was late at night and he nodded off and hit a young girl head on. The girl and his co-driver were hurt pretty bad (he still had his harness on, his co driver only had his lap belt on. The insurance company did not want to cover the accident claiming he was in a speed event (although on a transit you have to drive at or under the speed limit per the rules). SCCA was able to intervene and prove he was not racing at the time (the girl was going to sue SCCA as well since they were the sanctioning body at the time). His insurance eventually paid for it but it was a long hard process. The insurance company totaled his car and only gave his the wholesale value of the car and nothing for its value as a prepared rally car. He was very lucky that he had a high amount of liability coverage.

And no, if you damage your car during a special stage you are SOL. If someone gets hurt during a special stage your personal health insurance covers it (if you have it and it doesn't contain any racing disclaimers/exceptions). At the time, SCCA provided up to 50,000.00 worth of extra medical coverage which is better than nothing, but a drop in the bucket for a serious injury. About 50 to 60% of the current entry fee to an event goes toward insurance costs. SCCA quit sanctioning Pro Rally and turned it over to RallyAmerica due to liability reasons and costs.
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Old 05-28-2011, 10:03 AM   #6
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I am sure it really depends on your policy and the state that you are in, but what I have been told is. If it is a timed event you are pretty much out of luck with the insurance companys. But if it is a driving school, like an HPDE weekend or just open lapping sessions that are NOT timed then you should be fine with your insurance, but they are going to try there hardest to get out of it.

Pretty much my recommendation to everyone is, if you cannot afford to completely write off your entire car as a total loss and get $0 for it. Then you cannot afford to be taking that risk. I also really would never advise taking a car on track that you owe money on.

Buy a cheap race car, and use it to race. not your DD that you owe money on or cannot afford to loose completely.
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Old 06-07-2011, 04:40 PM   #7
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all the lapping events i've been to, are simply just a leisure drive in the park. there is a cop usually at these events to handle police reports for insurance. you should be covered. but anything requiring a cage or safety gear will likely not be covered. Road America, Shawano, and waterford hills raceway all say that insurance will be honored.
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Old 08-16-2011, 06:33 PM   #8
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Rally America require you to have high limits 100k/300k on your insurance policy. I dont think an insurance would cover anything that happened during an event.
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