I'm taking my state liscensing exam Tuesday morning, and this comes straight out of the text book I'm using to study for it on the section on exclusions to personal auto policies:

"Any vehicle located inside a facility designed for racing for purposes of competing or preparing or practicing for any organized or prearranged race or speed event."

Now, this text book is for "perfect world" scenarios, and there is a lot I don't know. I'm sure there is insurance out there that would cover you, but your best bet is to read your policy and/or contact your agent to see if you are covered.

Also, as stated before, there are people at most events that work for insurance agencies writing down plate numbers and then cross referencing those numbers to their clients. If your number matches up, it may raise your premium when you go to renew.

 

There are actually circumstances where Allstate WILL cover you in a HPDE... If you're learning how to control the car opposed to competing with other drivers, you stand a much better chance of being covered despite the fact that you're on a race track. It needs to be instructional.

 

That does make sense, which is why people need to check for coverage before they need it. Much easier that way.

 

I'm just going to talk to my ins company on monday, and i'll post what the response was.

 

this is why i love nurnburgring here,you total your car and insurance will cover it, it is consider a public road.. prAY i dont wreck my car though

 

Your best bet, if they do say they will cover it, will be to get that in writing. Word of mouth means nothing, so calling or stopping by and taking their word for it would be a mistake....

 

Good luck that test was brutal!

 

Yea, definitely get it in writing.

Thanks.

 

i have heard that if you are driving in HPDE that you have a very good chance that you will be covered because it is consider driving education not racing. yes it is on a race surface and that is where the insurance companies are drawing that line of being covered.

 

the DE in HPDE stands for Driver Education (or Driving Event, but if you're trying to sell a point.) In NASA the main classroom instructor teaches how techniques, not only car control, but car position in relationship to corner, eye movement, paying attention and predicting other drivers actions, etc., makes you a better driver on the street and it's so true. if insurance agents took these courses they would become better drivers too.

as far as whether you're covered or not, it's up to you how fast you go. VIR is like any other road really. if you can drive down the road safely you most likely can drive VIR safely, especially when you have an instructor. if you drive like a jackass or out of your ability margin then you could hit something or someone.