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insurance for race car #870477
12/03/10 09:14 PM
12/03/10 09:14 PM
Joined: Sep 2010
Posts: 75
southwest pa
B
bodyworks racing Offline OP
member
bodyworks racing  Offline OP
member
B

Joined: Sep 2010
Posts: 75
southwest pa
just wondering what company some of you use for race car insurance now that the car is strictly a drag car state farm doesnt like me anymore


68 ROADRUNNER 440 HORSE POWER IS HOW FAST YOU HIT THE WALL TORQUE IS HOW FAR YOU TAKE THE WALL WITH YOU
Re: insurance for race car [Re: bodyworks racing] #870478
12/03/10 09:18 PM
12/03/10 09:18 PM
Joined: Mar 2006
Posts: 5,067
Orlando Florida
blown572dart Offline
master
blown572dart  Offline
master

Joined: Mar 2006
Posts: 5,067
Orlando Florida
Bill Lutz find him on the bullet.

Re: insurance for race car [Re: blown572dart] #870479
12/03/10 09:26 PM
12/03/10 09:26 PM
Joined: Dec 2009
Posts: 73
1/2hr south of Ocala, FL
JCRVETTE Offline
member
JCRVETTE  Offline
member

Joined: Dec 2009
Posts: 73
1/2hr south of Ocala, FL
Quote:

Bill Lutz find him on the bullet.



Just find a thread where someone wrecked a car. He'll be there saying if ya had my insurance....

Re: insurance for race car [Re: JCRVETTE] #870480
12/03/10 09:32 PM
12/03/10 09:32 PM
Joined: Mar 2004
Posts: 2,475
SW Ohio
C
cgall Offline
top fuel
cgall  Offline
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Joined: Mar 2004
Posts: 2,475
SW Ohio
Street/Strip or race car?

There are a couple guys on classracer that offer off-track insurance for race cars.

Re: insurance for race car [Re: cgall] #870481
12/03/10 09:48 PM
12/03/10 09:48 PM
Joined: Mar 2006
Posts: 5,067
Orlando Florida
blown572dart Offline
master
blown572dart  Offline
master

Joined: Mar 2006
Posts: 5,067
Orlando Florida
Bill does on track

Re: insurance for race car [Re: blown572dart] #870482
12/03/10 09:49 PM
12/03/10 09:49 PM
Joined: Feb 2004
Posts: 34,883
S.E. South Dakota !
bigdad Offline
Still Posting A Lot
bigdad  Offline
Still Posting A Lot

Joined: Feb 2004
Posts: 34,883
S.E. South Dakota !
http://www.yellowbullet.com/forum/member.php?u=367

http://www.lutzracing.com/


But, you will need to dot your I's and cross your t's even then

Good idea though

Re: insurance for race car [Re: blown572dart] #870483
12/03/10 09:54 PM
12/03/10 09:54 PM
Joined: May 2003
Posts: 902
Gilbert, AZ
A
Aspen7695 Offline
super stock
Aspen7695  Offline
super stock
A

Joined: May 2003
Posts: 902
Gilbert, AZ
I have mine thru the Ford Walker Heacock Agency in Tennessee. Only costs me $250. a year.

Raul

Re: insurance for race car [Re: Aspen7695] #870484
12/03/10 11:35 PM
12/03/10 11:35 PM
Joined: Dec 2004
Posts: 625
Florida-West Coast
Thor500 Offline
mopar
Thor500  Offline
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Posts: 625
Florida-West Coast
Quote:

I have mine thru the Ford Walker Heacock Agency in Tennessee. Only costs me $250. a year.

Raul



I don't think they do on track coverage.

Re: insurance for race car [Re: Thor500] #870485
12/03/10 11:45 PM
12/03/10 11:45 PM
Joined: May 2003
Posts: 902
Gilbert, AZ
A
Aspen7695 Offline
super stock
Aspen7695  Offline
super stock
A

Joined: May 2003
Posts: 902
Gilbert, AZ
My policy covers the car until I leave the staging lanes. I could not find a company that will insure my car while it is making a pass. I would appreciate hearing of a company that offers coverage while you are on the track.

Raul

Re: insurance for race car [Re: Aspen7695] #870486
12/03/10 11:51 PM
12/03/10 11:51 PM
Joined: Mar 2006
Posts: 5,067
Orlando Florida
blown572dart Offline
master
blown572dart  Offline
master

Joined: Mar 2006
Posts: 5,067
Orlando Florida
Bill Lutz covers on track

Re: insurance for race car [Re: blown572dart] #870487
12/03/10 11:53 PM
12/03/10 11:53 PM
Joined: May 2003
Posts: 902
Gilbert, AZ
A
Aspen7695 Offline
super stock
Aspen7695  Offline
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A

Joined: May 2003
Posts: 902
Gilbert, AZ
Thank you!

Raul

Re: insurance for race car [Re: Aspen7695] #870488
12/04/10 12:03 AM
12/04/10 12:03 AM
Joined: Jan 2003
Posts: 10,766
Central Valley, CA.
Quicksilver440 Offline
I Live Here
Quicksilver440  Offline
I Live Here

Joined: Jan 2003
Posts: 10,766
Central Valley, CA.
Quote:

My policy covers the car until I leave the staging lanes. I could not find a company that will insure my car while it is making a pass. I would appreciate hearing of a company that offers coverage while you are on the track.

Raul




Does you policy actually say that? I have Heacock as well....and mine actually has a lot of restrictions written into the policy. They verbaly say lots of things...but the policy is written more restrictively.

Re: insurance for race car [Re: Quicksilver440] #870489
12/04/10 01:14 AM
12/04/10 01:14 AM
Joined: Dec 2007
Posts: 19,889
Puttin' on the foil in Charles...
not_a_charger Offline
Mr. Big Shot Moparts Moderator
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Mr. Big Shot Moparts Moderator

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Posts: 19,889
Puttin' on the foil in Charles...
Quote:

They verbaly say lots of things...but the policy is written more restrictively.




The only things that matter are those that are written.


Earning every penny of that moderator paycheck.

DBAP
Re: insurance for race car [Re: bodyworks racing] #870490
12/04/10 02:33 AM
12/04/10 02:33 AM
Joined: Oct 2007
Posts: 4,206
New York
polyspheric Offline
master
polyspheric  Offline
master

Joined: Oct 2007
Posts: 4,206
New York
Coverage for what?
Where - 140 mph in the left lane, or parked in your garage?
Loss of the vehicle?
Your personal injury if you wreck?
Property damage if you hit something?
Liability if you're sued for killing someone?
These are all completely different.
The agent will tell you anything he thinks you want to hear to get the policy written.


Boffin Emeritus
Re: insurance for race car [Re: polyspheric] #870491
12/04/10 03:27 AM
12/04/10 03:27 AM
Joined: Dec 2003
Posts: 22,696
Bitopia
J
jcc Offline
If you can't dazzle em with diamonds..
jcc  Offline
If you can't dazzle em with diamonds..
J

Joined: Dec 2003
Posts: 22,696
Bitopia
Reminds me of the $1,000,000.00 liability policy a few years back that had a $1,000,000.00 deductable


Reality check, that half the population is smarter then 50% of the people and it's a constantly contested fact.
Re: insurance for race car [Re: bodyworks racing] #870492
12/04/10 04:12 AM
12/04/10 04:12 AM
Joined: May 2008
Posts: 5,399
Aurora, Colorado
451Mopar Offline
master
451Mopar  Offline
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Posts: 5,399
Aurora, Colorado
My cars are insured with Haggerty. They don't cover "on track", but will cover you in the pits, return road, etc.
That reminds me I still need to get my hail dammage fixed

Re: insurance for race car [Re: 451Mopar] #870493
12/04/10 04:53 AM
12/04/10 04:53 AM
Joined: Jan 2004
Posts: 6,445
Missouri
68KillerBee Offline
master
68KillerBee  Offline
master

Joined: Jan 2004
Posts: 6,445
Missouri
Quote:

My cars are insured with Haggerty. They don't cover "on track", but will cover you in the pits, return road, etc.
That reminds me I still need to get my hail dammage fixed




But I saw you on the drag strip racing in a hail storm... That isn't covered, sorry.

Re: insurance for race car [Re: 68KillerBee] #870494
12/04/10 04:59 AM
12/04/10 04:59 AM
Joined: May 2008
Posts: 5,399
Aurora, Colorado
451Mopar Offline
master
451Mopar  Offline
master

Joined: May 2008
Posts: 5,399
Aurora, Colorado
Quote:

Quote:

My cars are insured with Haggerty. They don't cover "on track", but will cover you in the pits, return road, etc.
That reminds me I still need to get my hail dammage fixed




But I saw you on the drag strip racing in a hail storm... That isn't covered, sorry.




Actually they were good about the coverage. Already cut me a check, and told me to get back with them if the repair costs more. I just wish i had the car trailer insured

Re: insurance for race car [Re: 451Mopar] #870495
12/04/10 05:06 AM
12/04/10 05:06 AM
Joined: Jan 2004
Posts: 6,445
Missouri
68KillerBee Offline
master
68KillerBee  Offline
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Joined: Jan 2004
Posts: 6,445
Missouri
That was my bad try at a joke. That hail MUSTA been bad. Looks like someone shot a box of shotgun shells at it.

Re: insurance for race car [Re: 451Mopar] #870496
12/04/10 06:13 AM
12/04/10 06:13 AM
Joined: Mar 2007
Posts: 1,608
Rudolph, Ohio
moparguy7074 Offline
top fuel
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top fuel

Joined: Mar 2007
Posts: 1,608
Rudolph, Ohio
Quote:

My cars are insured with Haggerty. They don't cover "on track", but will cover you in the pits, return road, etc.
That reminds me I still need to get my hail dammage fixed




Is it covered while its being towed on a trailer, if its in an accident? Im asking because my dad was in an accident this week, and was towing two quads. They arent covered under his insurance.

Re: insurance for race car [Re: moparguy7074] #870497
12/04/10 08:46 AM
12/04/10 08:46 AM
Joined: Mar 2009
Posts: 583
Raleigh, NC
R
rockerbob Offline
mopar
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R

Joined: Mar 2009
Posts: 583
Raleigh, NC
Quote:

Quote:

My cars are insured with Haggerty. They don't cover "on track", but will cover you in the pits, return road, etc.
That reminds me I still need to get my hail dammage fixed




Is it covered while its being towed on a trailer, if its in an accident? Im asking because my dad was in an accident this week, and was towing two quads. They arent covered under his insurance.




You may want to double check on that. Years ago I was a Life/Health agent. Not the same as a Property/Casualty agent, but I knew several of those & I realize every state has different laws. However they told me that any proberty that has value is covered under your home owners insurance for up to 10% if damaged while on your property. Doeesn't even have to belong to you. Just parked/sitting or stored there. This would include race cars. Again up to 10% of the value. And the damage. Same with towing. If the tow vehicel is covered then the trailer and its contents are automatically covered up to 10%. You can purchase a rider for additional coverage if you want. Here in NC we have to have tags on the trailers & they are then covered under the tow vehicals policy. Thats my understanding under NC insurance laws. I will check this weekend with one of my buddies whos a retired agent. I know 10% is not much, but its something. And you can always buy a rider to attach to the policy. Hope this works for you guys.


2005 Dakota 4X4 3.7 2004 Rumble Bee 5.7 1978 Diplomat 318 1969 Satellite 318 "bracket racer" 1966 Barracuda (in progress ) 1964 Dodge 330 (future race project) 1962 Belvedere (HUM????)
Re: insurance for race car [Re: moparguy7074] #870498
12/04/10 09:11 AM
12/04/10 09:11 AM
Joined: Dec 2007
Posts: 19,889
Puttin' on the foil in Charles...
not_a_charger Offline
Mr. Big Shot Moparts Moderator
not_a_charger  Offline
Mr. Big Shot Moparts Moderator

Joined: Dec 2007
Posts: 19,889
Puttin' on the foil in Charles...
Quote:

Quote:

My cars are insured with Haggerty. They don't cover "on track", but will cover you in the pits, return road, etc.
That reminds me I still need to get my hail dammage fixed




Is it covered while its being towed on a trailer, if its in an accident? Im asking because my dad was in an accident this week, and was towing two quads. They arent covered under his insurance.




The car is covered by it's own insurance when it's on a trailer. It's not covered by the truck/trailer's insurance, and neither would the quads be covered by the truck/trailer's insurance, unless the vehicle in question is being transported by a commercial hauler. A commercial policy for someone hauling vehicles for a fee would include coverage for the customer's vehicle while it was on the trailer. The trailer itself does not have to be insured to be covered by the truck's policy. The trailer itself would be covered under your dad's truck insurance, up to whatever limit was specified in the policy.

Quads have titles, VIN's, etc...and insurance is readily available for them. If they aren't covered, it's because he didn't insure them.


Earning every penny of that moderator paycheck.

DBAP
Re: insurance for race car [Re: not_a_charger] #870499
12/04/10 09:22 AM
12/04/10 09:22 AM
Joined: Mar 2006
Posts: 5,067
Orlando Florida
blown572dart Offline
master
blown572dart  Offline
master

Joined: Mar 2006
Posts: 5,067
Orlando Florida
Bills covers up to 100k on track off track in trailer in pits anywhere the car is. It also covers the guy in the other lane to 50k if you hit them. Not cheap by any means but wort it.

Re: insurance for race car [Re: not_a_charger] #870500
12/04/10 10:21 AM
12/04/10 10:21 AM
Joined: Jan 2003
Posts: 32,394
Q
Quicktree Offline
I Win
Quicktree  Offline
I Win
Q

Joined: Jan 2003
Posts: 32,394
Quote:

Quote:

Quote:

My cars are insured with Haggerty. They don't cover "on track", but will cover you in the pits, return road, etc.
That reminds me I still need to get my hail dammage fixed




Is it covered while its being towed on a trailer, if its in an accident? Im asking because my dad was in an accident this week, and was towing two quads. They arent covered under his insurance.




The car is covered by it's own insurance when it's on a trailer. It's not covered by the truck/trailer's insurance, and neither would the quads be covered by the truck/trailer's insurance, unless the vehicle in question is being transported by a commercial hauler. A commercial policy for someone hauling vehicles for a fee would include coverage for the customer's vehicle while it was on the trailer. The trailer itself does not have to be insured to be covered by the truck's policy. The trailer itself would be covered under your dad's truck insurance, up to whatever limit was specified in the policy.

Quads have titles, VIN's, etc...and insurance is readily available for them. If they aren't covered, it's because he didn't insure them.


so if somebody hits you while transporting wouldn't they liable if they were at fault?

Re: insurance for race car [Re: Quicktree] #870501
12/04/10 11:46 AM
12/04/10 11:46 AM
Joined: Dec 2007
Posts: 19,889
Puttin' on the foil in Charles...
not_a_charger Offline
Mr. Big Shot Moparts Moderator
not_a_charger  Offline
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Posts: 19,889
Puttin' on the foil in Charles...
Yes. Let me clarify:

You have a car on your trailer. You're towing your trailer with your truck. You have an accident that is your fault, or that isn't your fault, but was caused by an unidentified vehicle (hit-skip, for example), or was a comp claim (impact with an animal, weather related incident, etc...). Your collision coverage will cover your truck and your trailer, but not the car/boat/motorcycle/front end loader/suitcase full of $100s that is on your trailer.

You have a car on your trailer. You're towing your trailer with your truck. You have an accident that is not your fault. Another person rear ends you. Their liability insurance will cover your truck, your trailer, and the contents of your trailer, up to their policy limit and/or the actual cash value of the damaged property, whichever is less.


Earning every penny of that moderator paycheck.

DBAP
Re: insurance for race car [Re: rockerbob] #870502
12/04/10 12:49 PM
12/04/10 12:49 PM
Joined: Oct 2007
Posts: 4,206
New York
polyspheric Offline
master
polyspheric  Offline
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Joined: Oct 2007
Posts: 4,206
New York
Not sure if this is current, but in New York homeowners policy specifically used to exclude:
1. motor vehicles of any kind (lawn mower, parts, tools are OK)
2. furs
3. cash
4. jewelry
5. guns
6. art with value in excess of (used to be $1,000)
7. objects of sentimental value unless appraised


Boffin Emeritus
Re: insurance for race car [Re: rockerbob] #870503
12/04/10 02:35 PM
12/04/10 02:35 PM
Joined: Dec 2007
Posts: 19,889
Puttin' on the foil in Charles...
not_a_charger Offline
Mr. Big Shot Moparts Moderator
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Joined: Dec 2007
Posts: 19,889
Puttin' on the foil in Charles...


Quote:

However they told me that any proberty that has value is covered under your home owners insurance for up to 10% if damaged while on your property. Doeesn't even have to belong to you. Just parked/sitting or stored there. This would include race cars. Again up to 10% of the value. And the damage. Same with towing. If the tow vehicel is covered then the trailer and its contents are automatically covered up to 10%. You can purchase a rider for additional coverage if you want. Here in NC we have to have tags on the trailers & they are then covered under the tow vehicals policy. Thats my understanding under NC insurance laws. I will check this weekend with one of my buddies whos a retired agent. I know 10% is not much, but its something. And you can always buy a rider to attach to the policy. Hope this works for you guys.




For the most part, motor vehicles are specifically excluded from coverage under your homeowners policy, and neither is stuff (cars or otherwise) owned by someone else but being stored on your property.

The usual exception to the motor vehicle exclusion are vehicles that are NOT subject to vehicle registration laws, are used solely to service the insured's property, or to assist the handicapped, or a golf cart to be used to/from/on a golf course, for folks who live in golf course communities. There are other difference from state to state, policy to policy, but generally speaking those are the big 3 exceptions to the exclusion.


Earning every penny of that moderator paycheck.

DBAP
Re: insurance for race car [Re: polyspheric] #870504
12/04/10 02:38 PM
12/04/10 02:38 PM
Joined: Dec 2007
Posts: 19,889
Puttin' on the foil in Charles...
not_a_charger Offline
Mr. Big Shot Moparts Moderator
not_a_charger  Offline
Mr. Big Shot Moparts Moderator

Joined: Dec 2007
Posts: 19,889
Puttin' on the foil in Charles...
Quote:

Not sure if this is current, but in New York homeowners policy specifically used to exclude:
1. motor vehicles of any kind (lawn mower, parts, tools are OK)
2. furs
3. cash
4. jewelry
5. guns
6. art with value in excess of (used to be $1,000)
7. objects of sentimental value unless appraised




With many policies, those items are covered, but up to a certain limit (usually $200 for cash, $1k for most jewelry, guns, furs, etc..., a little more for other things like silver/goldware, computers, and so on). Coverage can be increased by adding an endorsement to the policy.

Utility trailers and small watercraft are also usually covered, usually up to $1k.


Earning every penny of that moderator paycheck.

DBAP
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