Thread: Race car Insurance

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Originally Posted by chpseat987

What is the proper edicate or responsabilty of a driver who seems to be the reason for an accident? and I mean accident, crossing the line and hitting the other guy or something like that. I would never be able to pay for the other guys or Gals car if something should happen.

You walk up and say Hey Man I'm real sorry. "End of story" If your racing you got to be prepared for the possibility of losing the car. There is no such thing as racing insurance and no one is responsible for your loss no matter what happened.
Oh and I have lost cars at the track, Wadded a midget up one time and the only thing usable was the seat and engine.

This is good stuff, I have been really currious about it. This last year at our track Rock Mountain Raceway i watch 2 pro mods get tangled up at over 200 miles an hour at the finsh line, the drivers walked away but on one of the cars the seat may have been re-usable. It was the worst I have ever seen.

Most standard insurance policies have a clause that reads something like this:

"Participating in any sport or sporting activity for wage, compensation, or profit, including officiating or coaching; or racing any type of vehicle in an organized event."

When my son raced motocross, we signed all kinds of waivers and essentially said that we would be responsible for all medical costs associated with any accidents and indemnify the track owners and officials where we happened to be racing. We had great sponsorships for the bike and all the related equipment, but all participants realized they were participating in a very dangerous activity and in the event of an accident apologies were given and all parties were to walk away. We were fortunate that he suffered nothing more serious that a few sprains and slight concussions.

That said, K&K Insurance does offer insurance for all kinds of motor sports from dirt bikes to drag racing. Their web site lists all their coverage and also states the minimum account is $1500.

http://www.kandkinsurance.com/

Good luck with this one,
Glenn

This is good stuff, I have been really currious about it. This last year at our track Rock Mountain Raceway i watch 2 pro mods get tangled up at over 200 miles an hour at the finsh line, the drivers walked away but on one of the cars the seat may have been re-usable. It was the worst I have ever seen.