Posted By: bodyworks racing
insurance for race car - 12/04/10 01:14 AM
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 
insurance for race car
Posted By: blown572dart
Re: insurance for race car - 12/04/10 01:18 AM
Bill Lutz find him on the bullet.
Posted By: JCRVETTE
Re: insurance for race car - 12/04/10 01:26 AM
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....
Posted By: cgall
Re: insurance for race car - 12/04/10 01:32 AM
Street/Strip or race car?
There are a couple guys on classracer that offer off-track insurance for race cars.
There are a couple guys on classracer that offer off-track insurance for race cars.
Posted By: blown572dart
Re: insurance for race car - 12/04/10 01:48 AM
Bill does on track
Posted By: bigdad
Re: insurance for race car - 12/04/10 01:49 AM
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
http://www.lutzracing.com/
But, you will need to dot your I's and cross your t's even then
Good idea though
Posted By: Aspen7695
Re: insurance for race car - 12/04/10 01:54 AM
I have mine thru the Ford Walker Heacock Agency in Tennessee. Only costs me $250. a year.
Raul
Raul
Posted By: Thor500
Re: insurance for race car - 12/04/10 03:35 AM
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.
Posted By: Aspen7695
Re: insurance for race car - 12/04/10 03:45 AM
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
Raul
Posted By: blown572dart
Re: insurance for race car - 12/04/10 03:51 AM
Bill Lutz covers on track 
Posted By: Aspen7695
Re: insurance for race car - 12/04/10 03:53 AM
Thank you!
Raul
Raul
Posted By: Quicksilver440
Re: insurance for race car - 12/04/10 04:03 AM
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.
Posted By: not_a_charger
Re: insurance for race car - 12/04/10 05:14 AM
Quote:
They verbaly say lots of things...but the policy is written more restrictively.
The only things that matter are those that are written.
Posted By: polyspheric
Re: insurance for race car - 12/04/10 06:33 AM
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.
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.
Posted By: jcc
Re: insurance for race car - 12/04/10 07:27 AM
Reminds me of the $1,000,000.00 liability policy a few years back that had a $1,000,000.00 deductable 
Posted By: 451Mopar
Re: insurance for race car - 12/04/10 08:12 AM
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
That reminds me I still need to get my hail dammage fixed
Posted By: 68KillerBee
Re: insurance for race car - 12/04/10 08:53 AM
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.
Posted By: 451Mopar
Re: insurance for race car - 12/04/10 08:59 AM
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
Posted By: 68KillerBee
Re: insurance for race car - 12/04/10 09:06 AM
That was my bad try at a joke. That hail MUSTA been bad. Looks like someone shot a box of shotgun shells at it. 
Posted By: moparguy7074
Re: insurance for race car - 12/04/10 10:13 AM
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.
Posted By: rockerbob
Re: insurance for race car - 12/04/10 12:46 PM
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.
Posted By: not_a_charger
Re: insurance for race car - 12/04/10 01:11 PM
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.
Posted By: blown572dart
Re: insurance for race car - 12/04/10 01:22 PM
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. 
Posted By: Quicktree
Re: insurance for race car - 12/04/10 02:21 PM
Quote:so if somebody hits you while transporting wouldn't they liable if they were at fault?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.
Posted By: not_a_charger
Re: insurance for race car - 12/04/10 03:46 PM
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.
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.
Posted By: polyspheric
Re: insurance for race car - 12/04/10 04:49 PM
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
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
Posted By: not_a_charger
Re: insurance for race car - 12/04/10 06:35 PM
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.
Posted By: not_a_charger
Re: insurance for race car - 12/04/10 06:38 PM
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.