progressive insurance and track days

lomo2surf · Jul 10, 2009

So I just canceled my insurance cause I am in the process of turning my K7 600 into a track bike and I although I only got 3 track days in this season I am happy.

Well, while I was on the phone with progressive I just asked about coverage on the track if I was to get into a wreck. I mentioned it wasn't a race since there isn't a timer but, according to there policy only place they would cover crashes would be outside the track. So pretty much the paddock and thats it. To them they say it is wreckless driving and they won't cover it.

So if you have progressive and do track days I would call your agent to clarify on this topic

Dream of Flight · Jul 10, 2009

It's a training environment. You spend time in a classroom and get your bike adjusted to your wieght and then you go out and apply those skills on the track. This makes you a better rider, better prepares you to have to control your bike in an 'oh-shit' moment, and just plain saves you from getting in accidents. If you make it a track only bike (no headlight, tail light, mirrors, blinkers, etc) it will not be coverable by insurance. But if it's street legal, and you 'take it to the 'training room' every once in a while, it will be covered by insurance. It's all in the wording bro! Say it the right way and it'll be covered. I know someone that did it...

lomo2surf · Jul 10, 2009

Dream of Flight said:
It's a training environment. You spend time in a classroom and get your bike adjusted to your wieght and then you go out and apply those skills on the track. This makes you a better rider, better prepares you to have to control your bike in an 'oh-shit' moment, and just plain saves you from getting in accidents. If you make it a track only bike (no headlight, tail light, mirrors, blinkers, etc) it will not be coverable by insurance. But if it's street legal, and you 'take it to the 'training room' every once in a while, it will be covered by insurance. It's all in the wording bro! Say it the right way and it'll be covered. I know someone that did it...

well at the time bike on the track my bike was still street rideable..but now it aint...i am not worried about wrecking on a just track bike cause ..different story if I was on the street but doing just track now I know most likely if I wreck its because of me ...

isxaari · Jul 10, 2009

Can't you crash at the track and take it home and file a report at home? No one is going to look deep into this and I don't understand why people are so afraid.

Kentucky Fried Cholo · Jul 10, 2009

State farm covers it as long as there's no trophy at the end :cheers

wrighterjw10 · Jul 10, 2009

isxaari said:
Can't you crash at the track and take it home and file a report at home? No one is going to look deep into this and I don't understand why people are so afraid.

thats insurance fraud, and its a felony.

i'm in insurance. in no way does everyone get caught, but ppl certainly do.

ur call tho. guess its risk v reward.

SLAGixxer · Jul 10, 2009

06gixxer1k said:
State farm covers it as long as there's no trophy at the end :cheers

I'm not so sure about that. I just switched to State Farm (super cheap

unk) and specifically asked about this. I forgot exactly how that clause of the policy is worded, but it's something along the lines of, "Incidents occuring during the course of competition or in an area that is primarily intended for competition shall not be covered." You may not be actually racing, but a racetrack is definitely primarily intended for competition.

It seems there is some room for interpretation here. Has anybody actually claimed a track day wreck with State Farm?

lomo2surf · Jul 10, 2009

well look at the bright side if u get into an accident on the track u have really 3 out comes a low side, high side, or running into someone .... thats if your not riding out side your ability. On the road u have so much more to worry about, other drivers, animals, trees, ect...I'll take my chances getting into a accident on the track all day long before I go back out on the streets ever again

soysauce021 · Jul 10, 2009

SLAGixxer said:
I'm not so sure about that. I just switched to State Farm (super cheap unk) and specifically asked about this. I forgot exactly how that clause of the policy is worded, but it's something along the lines of, "Incidents occuring during the course of competition or in an area that is primarily intended for competition shall not be covered." You may not be actually racing, but a racetrack is definitely primarily intended for competition.

It seems there is some room for interpretation here. Has anybody actually claimed a track day wreck with State Farm?

nope a track day is primarily intended for learning

It's all in how you word it. The track days I go to have instructors, class room sessions, etc. :cheers But definitely call up your agent to check. Everyone is different.

njracer · Jul 10, 2009

lomo2surf said:
well look at the bright side if u get into an accident on the track u have really 3 out comes a low side, high side, or running into someone ....

Only 3????:lmao

lomo2surf · Jul 10, 2009

njracer said:
Only 3????:lmao

or that :cheers

Suzuki Duke · Jul 10, 2009

wrighterjw10 said:
thats insurance fraud, and its a felony.

i'm in insurance. in no way does everyone get caught, but ppl certainly do.

ur call tho. guess its risk v reward.

Especially if it happens to be in front of the track photographer, and you post pics of it online, someone may find out that shouldn't. Then you're busted.

Dream of Flight · Jul 10, 2009

SLAGixxer said:
Has anybody actually claimed a track day wreck with State Farm?

Yes, I know someone on this forum (and for his privacy I will keep his name to myself) who made a claim with State Farm after wrecking on the track and was paid for every last bit of damage to the bike, but he got a statement from the track people saying it was for training. So if you, the trackday hosts, and your insurance company are all on the same page, you should be safe. :burnout Go have fun!

Dream of Flight · Jul 10, 2009

Suzuki Duke said:
Especially if it happens to be in front of the track photographer, and you post pics of it online, someone may find out that shouldn't. Then you're busted.

Will people please stop commiting fraud and stunting on the streets and doing 186 in a 65? You make us responsible riders look bad :dissapointed

isxaari · Jul 10, 2009

don't post pictures on line then. and don't talk about it. or say yeah I did then I fixed it then i crashed it again on the road. This is not hard people. At least I don't think it is. I think people read way to much into it. You better stop downloading that music too. Its your call tho. IF I ever crash on the track the bike is stolen. I hate insurance company take all the money and never pay out. Fuck them all.

Dream of Flight · Jul 10, 2009

isxaari said:
I think people read way to much into it.

WTF do you think the insurance company is going to do? :wait

:squid

iss

Photon85 · Jul 10, 2009

lomo2surf said:
wreckless driving

Wreckless driving sounds like a positive thing!
Driving where you never wreck? The insurance companies ought to like this sort of driving

Carnage · Jul 10, 2009

Why would anyone tell their insurance company that they crashed on a racetrack? :scratch

DB0007 · Jul 10, 2009

I called progressive. The girl researched it, I basicly explained that the bike is not being raced and is on a closed course with instructors and class room time. No race against time or other drivers and that the idea of the class is to improve cornering and turning and optimally having the most fun you can have on your bike without the worries of traffic or street hazards.

She basiclly said the bike will not be covered if there is a crash on the track if a investigation proves you were racing at time of crash then you will have your coverage dropped by them and will no longer be able to insure a motorcycle with progressive. You are covered for the to and from track, but not on the track. There are insurance companies that specialize in this but they don't make reccomendations.

She also said any operation of the bike over the national speedlimit of 75mph will also cause your insurance to be dropped. So if you do track classes and you are under that speed you will be ok.

Ok now my opinion. If you do go to track make sure you have health insurance lol just incase god forbid something happens. Its kind of stupid to me that if you speed on track it fucks you over outside of track. If nothing happens no one knows, cool, but if something did happen your fucked overall. This is also only regarding the bike that is insured. If you have ideally 2 bikes 1 for street 1 for track only than none of this applies to you.

I hoped this info helps anyone who needs it I was on the phone with them for 20 mins lol

chimmike · Jul 10, 2009

06gixxer1k said:
State farm covers it as long as there's no trophy at the end :cheers

That's not true.

If your agent told you that, get it in writing, because their policy never covers damage on the track, period.

No insurance company covers damage or claims on a track, on bikes or cars. That's a special policy you need to purchase for each event.

progressive insurance and track days

lomo2surf

Dream of Flight

lomo2surf

isxaari

Kentucky Fried Cholo

wrighterjw10

SLAGixxer

lomo2surf

soysauce021

njracer

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