HPDE Insurance and the Sh!tty State of New York Options

[tomeric914]

In an attempt to do the right thing today, I looked into other classic auto insurers to see what their take is on insuring a daily driver that would be use on the track as well. I got an eye opener:

I specifically stated (full disclosure) in an insurance application that the vehicle would be used at track day events. This was a company that touted "Motorsports" coverage for daily drivers. DENIED because NY state requires liability no matter where you are. HPDE (track day) insurance only covers the owner for vehicle damage. Liability comes out of the standard day to day policy. Explaining this over the phone to an agent was a waste of time. They see "track day" and say "no way".

I then contacted my regular auto insurance and asked if they would cover a newer sports car which is my daily driver if I attended track day events. Again, "track day", "no way". They said that I may need commercial insurance which tells me that they have no clue at all. I'm still waiting for a response back from them.

PCA has a deal with Lockton Affinity (sp?) and while they offer track day insurance, it is only for vehicle damage and maybe track cleanup, they don't offer liability insurance. Same problem.

So the question is, what do you all do for insurance for a vehicle which is registered and street legal? (IMG:style_emoticons/default/smile.gif)

[Cracker]

I highly doubt Bob purchases insurance that would legally cover either collision or liability on the track - it costs money. Several of my friends purchase insurance, per driver, per vehicle, by the weekend - costs vary greatly with the replacement cost of the vehicle. For a 997 Turbo, the cost is about $450 per weekend; for a 99 Corvette -$225.

I have always rolled the dice and taken the approach that if I cannot afford to lose it - don't crash it. Therefore, I leave "seconds" on the table because they are simply not worth it, given the loss if I totaled the car. Having said that...shit happens on the track - regardless of why or how - each owners car in track days are responsible for their own cars damage - even if someone loses their brakes and totals you!

Good luck.

Tony