HPDE Insurance: Post Experiences

spearfish25

I'm not worried about going off on my own (although that could still have consequences). It's getting hit by someone else both on track or after going off. If it were just me lapping on the track alone, I wouldn't buy insurance.

Frankly, my experiences have shown the novice group to be the most risky. Every track day there are idiots who don't follow the rules, pass in unauthorized zones, and fail to heed flags. I'd be curious to learn if more track day accidents happen in the novice or the advanced group. I've done 7 track days and many groups still place me in Novice (while others put me in Advanced...time for standardization you think?). I much prefer the Intermediate group as these people tend to know the basics and not do stupid things. It makes the hair on the back of my neck stand on end knowing some guy who has never been on the track before is anywhere near my car.

That would be a sad, sad day. Hope it never happens.

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2013 Cadillac V-Wagon, RIP Z

sig11

I would find different clubs to run with in that case... The PCA group here (SEMPCA) and NASA would toss you out for that kind-of stuff.

I have considered Lockton too.. the only downside is that they have to approve the club/event. I'm probably going to do the same thing this season as last and just gamble that I won't have a bad off-track excursion.

I watched Waterford Hills eat 2 350Z Nismos last year and both were covered by their road insurance after being towed directly to body shop... Lucky fellas. One novice and one experienced driver.