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.
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.
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.
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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.