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Dragstrip and Launch Techniques Discussion 1/4 mile, 1/8 mile, launch discussions.

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Old 07-18-2012, 12:23 PM   #1
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racing and insurance

I checked with my auto insurance company, and naturally they don't cover any sort of racing. So to you guys who go to the strip once in a while, are you worried about something happening to your car? Are there insurance companies who will cover you at the dragstrip?
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Old 07-18-2012, 12:28 PM   #2
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Sure, they exist, but they are not cheap. Usually stated value and around $400/mo.
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Old 07-18-2012, 12:48 PM   #3
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Sure, they exist, but they are not cheap. Usually stated value and around $400/mo.
Yikes

So what do you do if you only go a few times a year? Just accept the risk of banging up a 40K car?
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Old 07-18-2012, 01:06 PM   #4
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are we talking about the drag strip or a road course?

sometimes insurance companies are ok with you going to a driving event that is advertised as a learning or educational experience (some HPDE track days are like that). You need to run it by them and get/give specifics.

drag strip, no, a normal ins policy isn't going to cover you. the only thing that could happen is hitting the wall or the other driver hitting you. we don't have high powered cars (I mean they are not 2000 HP pro stock cars) and the chances of getting wildly out of control is slim, but it can happen especially at tracks and days when it's run what ya brung, drip fluids down the track night.

pretty much, one just assumes responsibility for his whereabouts and activities much like if you go shoot pool in a dive bar you may get punched in the face (i assume from the movies since I'm no good at pool).
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Old 07-18-2012, 01:28 PM   #5
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are we talking about the drag strip or a road course?

sometimes insurance companies are ok with you going to a driving event that is advertised as a learning or educational experience (some HPDE track days are like that). You need to run it by them and get/give specifics.

drag strip, no, a normal ins policy isn't going to cover you. the only thing that could happen is hitting the wall or the other driver hitting you. we don't have high powered cars (I mean they are not 2000 HP pro stock cars) and the chances of getting wildly out of control is slim, but it can happen especially at tracks and days when it's run what ya brung, drip fluids down the track night.

pretty much, one just assumes responsibility for his whereabouts and activities much like if you go shoot pool in a dive bar you may get punched in the face (i assume from the movies since I'm no good at pool).
Yeah, I just mean the drag strip. The two things you mentioned (hitting rail, or someone hitting me) seem like the most likely accidents. Honestly, driving around town on the streets and highway actually seems more risky than making a few passes at the strip. Most people around here are driving around oblivious to the world.

Well, at least I won't get punched in the face at the races...and if I did, at least I'd have a helmet
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Old 07-18-2012, 03:11 PM   #6
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If you wreck it... Load it up on a trailer and dump it out on the side of a road in a ditch.
The you avoided a deer.
Simple solution.
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Old 07-18-2012, 03:17 PM   #7
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If you wreck it... Load it up on a trailer and dump it out on the side of a road in a ditch.
The you avoided a deer.
Simple solution.
What about onstar and the first response call? the log data will show your location, no?
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Old 07-18-2012, 03:34 PM   #8
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Simple solution don't crash. Seriously, you gotta pay to play that's always a risk so its like going to the casino lol if you can't afford to lose the money then don't go :P
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Old 07-18-2012, 05:20 PM   #9
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Yes Mikamaro you are correct, Jam3 if you ever have the opportunity to try that let me know how that works out for you. My track insurance is $800 and some change per year and that covers me at any NHRA track for an agreed value of 36k. Search The Hartland Ins Group.
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Old 07-18-2012, 05:24 PM   #10
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Here's the link E.T.
http://www.hartlandinsurancegroup.com/motorsport.html
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Old 07-18-2012, 06:20 PM   #11
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Quote:
Originally Posted by Higgs Boson View Post
are we talking about the drag strip or a road course?

sometimes insurance companies are ok with you going to a driving event that is advertised as a learning or educational experience (some HPDE track days are like that). You need to run it by them and get/give specifics.

drag strip, no, a normal ins policy isn't going to cover you. the only thing that could happen is hitting the wall or the other driver hitting you. we don't have high powered cars (I mean they are not 2000 HP pro stock cars) and the chances of getting wildly out of control is slim, but it can happen especially at tracks and days when it's run what ya brung, drip fluids down the track night.

pretty much, one just assumes responsibility for his whereabouts and activities much like if you go shoot pool in a dive bar you may get punched in the face (i assume from the movies since I'm no good at pool).
Actually, i have seen cars that were not particularly "high power" cars wreck! Basically boils down to the guy on street tires who thinks he can "drive out of it" when the tires start spinning... Guy stays in the throttle while both tires start to spin, and then ONE TIRE HOOKS and it immediately turns him towards the wall! If he's lucky he will get out of the throttle quick enough... but I've seen guys still stay in the throttle all the way to the wall!

This is one reason I always leave traction control on... Just in case I forget to get off the gas if I start to spin! If if the TC kills the run, there are plenty of more passes waiting if I don't wreck!
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Old 07-18-2012, 06:32 PM   #12
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The last sentence of my second paragraph agrees with you.
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Old 07-18-2012, 06:35 PM   #13
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The last sentence of my second paragraph agrees with you.
Sort of... but for some guys it's like they walk into a dive bar and then PUNCH THEMSELVES IN THE FACE!
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Old 07-18-2012, 06:44 PM   #14
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Sort of... but for some guys it's like they walk into a dive bar and then PUNCH THEMSELVES IN THE FACE!
lol, yes i can agree with that.
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Old 07-18-2012, 06:49 PM   #15
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If you wreck it... Load it up on a trailer and dump it out on the side of a road in a ditch.
The you avoided a deer.
Simple solution.
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Old 07-18-2012, 07:02 PM   #16
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Yes Mikamaro you are correct, Jam3 if you ever have the opportunity to try that let me know how that works out for you. My track insurance is $800 and some change per year and that covers me at any NHRA track for an agreed value of 36k. Search The Hartland Ins Group.
Im good to go.
I have insurance for racing. I was just joking. Sort of.
Onstar was turned off when the free subscription ran out.
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Old 07-18-2012, 09:04 PM   #17
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Yeah I hear that, I even took the onstar hardware out of mine and sheared off a couple more pounds in the process.
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Old 07-18-2012, 09:11 PM   #18
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I'll check that out, thanks
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Old 07-18-2012, 09:12 PM   #19
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Sort of... but for some guys it's like they walk into a dive bar and then PUNCH THEMSELVES IN THE FACE!
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Old 07-18-2012, 09:25 PM   #20
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If you wreck it... Load it up on a trailer and dump it out on the side of a road in a ditch.
The you avoided a deer.
Simple solution.
Illegal and unethical. And people wonder why car insurance is so high. Man-up if you wreck your car at the track. If you aren't willing/able to pay for the repair any damage that might occur as a result of tracking it, maybe you shouldn't racing it.
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Old 07-18-2012, 09:32 PM   #21
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If you wreck it... Load it up on a trailer and dump it out on the side of a road in a ditch.
The you avoided a deer.
Simple solution.
Insurance fraud is a felony in many states...not a good plan.

I have heard some people have been covered, but my insurance company says they don't cover any racing or time event period...so you accept the risk and hope you or someone driving next to you don't run out of talent...
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Old 07-18-2012, 09:33 PM   #22
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Im good to go.
I have insurance for racing. I was just joking. Sort of.
Onstar was turned off when the free subscription ran out.

Onstar is still working.. even though you aren't using it.
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Old 07-18-2012, 10:51 PM   #23
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Talking

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Onstar is still working.. even though you aren't using it.
Simply put. Your wrong. All conection is disabled at my request.
I have no interest in anyone being able to track or locate me through onstar.
It's as simple as emailing them to disable there service. Class action lawsuit against them 2 years ago resolved that issue with them. You have to request it be disabled. Any data collected beyond that time is a violation of privacy laws.
I do have a tracking system on it through the company that tracks my company trucks and equipment. Secure to me and me only.
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Old 07-18-2012, 11:03 PM   #24
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Ok. So after reading some of the responses to my humor.
How could you even do that? Seriously?
So serious to the point it's comical that anyone would even respond with that's fraud or illegal. If anyone took me seriously. Please! Do not attempt this. My suggestion was for entertainment purposes only!!
It would be totally illegal.
Insurance rates are what they are. Nothing to do with fraud.
Everything to do with greed my friend. Greed.
More more more and more $$$$$. That's how it works.
Never enough.
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Old 07-19-2012, 07:11 AM   #25
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Ok. So after reading some of the responses to my humor.
How could you even do that? Seriously?
So serious to the point it's comical that anyone would even respond with that's fraud or illegal. If anyone took me seriously. Please! Do not attempt this. My suggestion was for entertainment purposes only!!
It would be totally illegal.
Insurance rates are what they are. Nothing to do with fraud.
Everything to do with greed my friend. Greed.
More more more and more $$$$$. That's how it works.
Never enough.
Nice backtrack. We believe you.
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