Question regarding insurance on a street bike you take to a track. Do insurance companies still protect you if you go down, God forbid you injure someone else, on the track? Or is there other insurance I need to get?
Question regarding insurance on a street bike you take to a track. Do insurance companies still protect you if you go down, God forbid you injure someone else, on the track? Or is there other insurance I need to get?
Depends on company. Some will still cover you in a "non-timed, non-race trackday" from the POV of it bettering your riding skills. I would personally just say you dumped it in the canyons and had a buddy pick you up...
KX65
Dizzer
929 - Yard Sale'd
Some companies don't know how to write such policies either as far as how to classify the vehicle.
I used to have 2 bicycles insured for racing worth over 12,000 and the agent finally put them on an inland/marine policy like a four wheeler and boat.
This way it was covered at all times when in use and not. I was a renter and didn't have home owners ins, so she figured this one out for me.
I had to get estimates and a list of what was on the bicycles, but that was easy as I have friends that own shops, no problem..
Joby
(look, I'm up before 9am!)
MY State Farm policy won't cover when its on a track. Anyone else with the same w/ SF???
Of course it's the same agent that told me my KLR 650 was more powerful than my R1, when I asked why it was so frigg'n expensive to ensure it!!!!
PHX, AZ
Well thats not exactly what I wanted to hear. I have State Farm as well.
I had State Farm on my bike in Florida and they did cover trackdays? Had to get a new policy out here with them so now I'm curious if they still cover them. Sounds like they don't out here?
.
_______________________
// MRA #888 //
Current Bikes: 2007 Triumph 675 (race) : 2009 Ducati 1198 : 2004 Yamaha YZ250F : 2011 Ducati 796 Monster (wifes)
Guess I will just have to call and act dumb. Once I get ahold of someone I will post and let you know what State Farm says.
I have my policy here in HELL, um er, I mean Arizona!Originally Posted by SOCAL4LIFE!!
PHX, AZ
Try:
U.S. Insurance Services 2000 Art Museum Drive #4
Jacksonville, FL 32207 800-874-1738
They have several rider packages available and also insure numerous MC training facilities.
http://www.us-insurance.com/
Who knows, they may even do group discounts...
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state farm didnt cover my track accident
You've Grown Quite Mangy Cat, But Your Grins' A Comfort.
why act dumb?
Last edited by MikeG; Sun Sep 6th, 2009 at 12:00 AM.
My State Farm agent told me he will cover track days, but not races.
State Farm covers you on track days. I high sided and totaled a 929 at a trackday at PPIR in 2002. I told the agent exactly what happened and where. They asked several times if I was racing (I said no each time). They paid without any fuss.
Last edited by Matt; Mon Sep 7th, 2009 at 07:42 AM. Reason: typo
Just call the 800 and ask like you were thinking of getting a new policy but want to see if track days are covered. Let me know what you find out. I work for American Family so I will check with some of my agents and find out.
Whatever jack ass.
Bike: $8,599 + tax, dealer prep
Insurance: $200 a year
Getting "that call" when your claims adjuster looks on the Internet and sees you talking about how to commit insurance fraud... Priceless.
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than sincere ignorance
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disce quasi semper victurus vive quasi cras moriturus
The return of MRA #321! Sponsored by Western Ambulance, Chicane Trackdays, and a very patient wife...
Bike: $8,599 + tax, dealer prep
Insurance: $200 a year
Getting "that call" when your claims adjuster looks on the Internet and sees you talking about how to commit insurance fraud... Priceless.
That was very well said Ralph, I don't know how many times it's been reminded that this is a PUBLIC forum, and any topic on here can be found by even a monkey on Google
Mike
Bike: $8,599 + tax, dealer prep
Insurance: $200 a year
Getting "that call" when your claims adjuster looks on the Internet and sees you talking about how to commit insurance fraud... Priceless.
Getting quoted and unable to edit the quote of alleged insurance fraud...Priceless
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state farm to me no even when i said i wasnt racing at IMI.
You've Grown Quite Mangy Cat, But Your Grins' A Comfort.
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