RE: Will full coverage pay if you wreck at a trackday?

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RE: Will full coverage pay if you wreck at a trackday?

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RE: Will full coverage pay if you wreck at a trackday? - 5/29/2008 2:45:02 PM

rk97

Posts: 72
Joined: 5/13/2008
Status: offline

quote:

ORIGINAL: grazi

quote:

ORIGINAL: BROOKLYN

i dont think it should be covered...my insurance is high enough.If youre on a track pushing your bike to its limits and taking on extra risks,that should be on you.

I fully agree. I was suggesting carrying liability (in case I chose to ride on the street), and comp to protect against fire/theft etc. Collision would be foolish, since if they investigated the claim, there would be no police accident report. WI has to have a report at loss over $1000 (assuming it happens on public roads). If not on public roads, they're going to get inquisitive. So with a $500 deductible, you have a narrow window of coverage without needing some documentation besides your story.

If you said it happened on a track, they would make it difficult regardless of what the fine print says. You wouldn't be the first person who has filed a track-day claim on a 600RR and the companies don't like to pay, so be prepared for many twists and turns trying to get it resolved. If you lied about "where" it happened, that's fraud, and a whole other set of issues.

So again, I think if you rash up your bike on the track, it's really your responsibility. Which is what I intended. Just my 2 cents.

I couldn't disagree more - I think riding on the track is far safer than riding on the street. I will absolutely grant you that people crash more often at the track, but 9 out of 10 times, the damage to the bike, and the rider is LESS severe. This means the financial exposure for the insurance company is lower at the track than on the street.

it's all about how you word your claim. I wouldn't use the word "track" anywhere. "closed course" is just as accurate. And track days are absolutely not a 'race' or 'race practice.' The event organizers make that very clear at ever riders' meeting. I'm sure they'd be happy to confirm that with your insurance company.

what if you filed a claim after dropping your bike taking the MSF course? in my mind, a track day is a highly advanced MSF course. You're improving your riding skills in a safe environment. This makes you an inherently SAFER rider, not more dangerous.

(in reply to grazi)

Post #: 16

RE: Will full coverage pay if you wreck at a trackday? - 5/29/2008 7:07:57 PM

Critter

Posts: 82
Joined: 2/3/2008
Status: offline

Buddy of mine took his Daytona 675 to a track day at Willows Springs last year. He lowsided on turn 5 doing about 60-70mph. Did a lot of damage. He was insured by AAA and they covered it. He told them he was on a "closed and controled course", not a competitive event, and was there to improve his riding skills.

Track days are getting more and more popular, so you should read the fine print as I don't think covrage like that will last.

(in reply to rk97)

Post #: 17

RE: Will full coverage pay if you wreck at a trackday? - 5/30/2008 8:39:20 AM

Jaybird180

Posts: 2580
Joined: 5/12/2006
Status: offline

I have an interesting story to share:

Because I wanted to know the truth about this subject as it pertains to my policy I called my insurance company. I learned that language is very important. When people don't understand you, sometimes it's best to not explain. Also when they don't understand they will use the wrong language.

Long story short, the secretary that took my question asked about racing school, which resulted in my policy being cancelled. After speaking directly to the agent, it got fixed but not without my pressure going up.

They understand Rider Improvement School. They misunderstand "Trackday". Even if you specifically tell them that it is NOT competitive. The agent specifically told me that the schools WOULD be covered.

So after I see the paperwork that they're sending me verifying that my policy was reinstated without penalty, then I can breathe easier. Don't make my mistake.

_____________________________

TrackDay Ready 02''F4i
ZG Double Bubble, Galfer SS Lines, PCIIIr, Muzzy s/o, NRC cover, Shift Minder(anyone want it?), Speedbleeders, Vortex sliders, fender elimated, GP Shift
Ohlins, Racetech, Showa Custom Suspension

Teaching Fun and Prosperity

(in reply to Critter)

Post #: 18

RE: Will full coverage pay if you wreck at a trackday? - 6/3/2008 7:43:34 AM

rk97

Posts: 72
Joined: 5/13/2008
Status: offline

it's absolutely 'grey area.'

I could argue both sides of it all day long - so I hope on one is offended by my previous (and future) comments. I enjoy a good debate and definitely don't fault anyone for disagreeing with me.

If there's one thing that preparing for law school has taught me, it's that people WILL disagree with you - but you've got to let them, and respect their opinions. after all, they have every right to be wrong :P (kidding - please save your flaming for the guys riding in flip-flops w/o a helmet on)

(in reply to Jaybird180)

Post #: 19

RE: Will full coverage pay if you wreck at a trackday? - 6/24/2008 8:06:43 PM

Gville George

Posts: 418
Joined: 8/14/2007
From: Gainesville, FL
Status: offline

I have never been a fan of insurance companies, so trying to argue with them to let you give them your money to cover a track bike is stupid in my opinion. (not trying to call you stupid)

say they over your bike for 400 a month full coverage, including track days. you take the bike out to the track a few times in a year and one of those times you wreck and it beats the bike up pretty bad, bent forks or something, 3 grand to fix it all. you call up insurance, argue with them to give you money to fix it. you still have paid them 4800 that year to insure the bike. so you are still out 1800 compared to just saving your money and fixing it as needed, plus the hassle of having to deal with the insurance company.

insure a brand new bike that you are making payments on, its the smart thing to do. but its just not beneficial to you to insure a track bike.

does anyone know if health insurance covers track days, that''s what I care about, bike are cheap to fix, I am not.

_____________________________

(in reply to rk97)

Post #: 20

RE: Will full coverage pay if you wreck at a trackday? - 6/25/2008 7:54:13 PM

Jaybird180

Posts: 2580
Joined: 5/12/2006
Status: offline

I pay <$600/yr for insurance. I mostly ride on the street. I have full coverage that in the hopes that my bike is never stolen. But in case it is, I''m covered. I''ve found that most crashes (and I''ve crashed a couple times) can be fixed by the DIY''er for less than the deductible. But to each his own.

And trust me- Street crashes Will always be worse than track crashes.

I seem to recall some data from THE HURT REPORT that talked about head trauma from a motorcycle crash, and they found NO correlation between speed and brain injury. So I submit that machine damage is loosely similar.

_____________________________

TrackDay Ready 02''F4i
ZG Double Bubble, Galfer SS Lines, PCIIIr, Muzzy s/o, NRC cover, Shift Minder(anyone want it?), Speedbleeders, Vortex sliders, fender elimated, GP Shift
Ohlins, Racetech, Showa Custom Suspension

Teaching Fun and Prosperity

(in reply to Gville George)

Post #: 21

RE: Will full coverage pay if you wreck at a trackday? - 6/30/2008 8:33:34 AM

fireboi660

Posts: 6
Joined: 6/27/2008
Status: offline

quote:

ORIGINAL: BROOKLYN

i dont think it should be covered...my insurance is high enough if your on a track pushing your bike to its limits and taking on extra risks,that should be on you.

this is a terrible way of thinking..... the amount of riders out there that crash on the street are why your rates are so high. or you can blame the local thieves or your past history. i think we all can agree that one track day will improve any riders abilities tremendously, which in turn will have less riders crashing on the street!!! so for the handful of guys who claim a track day wreck, i think you should make an exception.... if you want to preach about riders handling there own crash expenses to save you money, go to your local bike night.

(in reply to BROOKLYN)

Post #: 22

RE: Will full coverage pay if you wreck at a trackday? - 6/30/2008 9:29:45 AM

BROOKLYN

Posts: 320
Joined: 12/22/2005
Status: offline

quote:

ORIGINAL: fireboi660

quote:

ORIGINAL: BROOKLYN

i dont think it should be covered...my insurance is high enough if your on a track pushing your bike to its limits and taking on extra risks,that should be on you.

this is a terrible way of thinking..... the amount of riders out there that crash on the street are why your rates are so high. or you can blame the local thieves or your past history. i think we all can agree that one track day will improve any riders abilities tremendously, which in turn will have less riders crashing on the street!!! so for the handful of guys who claim a track day wreck, i think you should make an exception.... if you want to preach about riders handling there own crash expenses to save you money, go to your local bike night.

I agree that going to the track will make you a better rider.Most people I know that do so are usually fast as hell and almost all of them been down.Why because they are constantly pushing....be rossi for a day on a beater not a 08

_____________________________

02 Blade

(in reply to fireboi660)

Post #: 23

RE: Will full coverage pay if you wreck at a trackday? - 6/30/2008 10:57:56 AM

Jaybird180

Posts: 2580
Joined: 5/12/2006
Status: offline

I wonder how many of you that have an "opinion" have actual track experience?

_____________________________

TrackDay Ready 02''F4i
ZG Double Bubble, Galfer SS Lines, PCIIIr, Muzzy s/o, NRC cover, Shift Minder(anyone want it?), Speedbleeders, Vortex sliders, fender elimated, GP Shift
Ohlins, Racetech, Showa Custom Suspension

Teaching Fun and Prosperity

(in reply to BROOKLYN)

Post #: 24