This sucks: looks like State Farm is excluding track casualties

***O.W. Kenobi*** · 10-17-2005, 07:19 PM

Check your policies. However, for the most part, I think most companies do NOT expressly exclude coverage, which means that you ARE covered.

http://bimmer.roadfly.com/bmw/forums...7126064-1.html

EricVonHa · 10-17-2005, 07:38 PM

this is a slight paraphrase from memory- "Allstate will deny a claim related to any preparation for speed, any timed event, any practice for a speed contest... and it goes on and on..

They seemed to carve out every scenario. So, I called up my agent and asked him, "hey, would my car be covered if I participated in a "driver-education" non-timed road course lapping day?"

His answer was a "yes". (though, this was too good to be true.)

So, I sent a letter off to him confirming our conversation.. the knucklehead sent it to their corporate office and a couple weeks later I received a nice letter from the gestapo's finest corporate attorney. It read something like, "we won't speculate to the validity of a claim till the claim occurs". No shiet, if I could tell the future too I'd be rollin' in the dough!

RKA · 10-17-2005, 07:46 PM

I'll take a look at the verbiage and see what it's all about. Unfortunately the line that he quoted seems abundantly clear.

((((

DeutschDriver · 10-17-2005, 07:57 PM

i've been tracking on luck and good-wishes.. and I'd like to know about the official policy, but i'm too chicken to call in.

***O.W. Kenobi*** · 10-17-2005, 08:01 PM

Check your policy instead.

DeutschDriver · 10-17-2005, 08:02 PM

i'll post with what i find.

***O.W. Kenobi*** · 10-17-2005, 08:02 PM

Seems worth it to me if you plan on tracking.

LCP · 10-17-2005, 08:50 PM

...any ambiguity in coverage in your policy may have just been resolved in your insurance company's favor by calling them about it.

Bauer · 10-17-2005, 08:50 PM

or pay for race insurance to make sure.... my .agent(good friend of mine) says it is covered (Farmers) but the verbage is the same as above. He is the one who said... just to make sure... get it off the track

RAD69 · 10-17-2005, 09:44 PM

10-17-2005, 07:19 PM	#1
*O.W. Kenobi* R.I.P. Account #: 20137 Join Date: May 2001 Posts: 19,413	This sucks: looks like State Farm is excluding track casualties Check your policies. However, for the most part, I think most companies do NOT expressly exclude coverage, which means that you ARE covered. http://bimmer.roadfly.com/bmw/forums...7126064-1.html __________________ ======================================== My track videos * Brake FAQ * Kenobi lock pump * Kenobi hazard relay * Lidatek install * 43k oil analysis * 51k oil analysis * 60k oil analysis * 68k oil analysis * 76k oil analysis

10-17-2005, 07:38 PM	#2
EricVonHa Audiworld Junior Member Account #: 63233 Join Date: Oct 2003 Posts: 733	Allstate has always been this way... and their contract verbiage is steep... this is a slight paraphrase from memory- "Allstate will deny a claim related to any preparation for speed, any timed event, any practice for a speed contest... and it goes on and on.. They seemed to carve out every scenario. So, I called up my agent and asked him, "hey, would my car be covered if I participated in a "driver-education" non-timed road course lapping day?" His answer was a "yes". (though, this was too good to be true.) So, I sent a letter off to him confirming our conversation.. the knucklehead sent it to their corporate office and a couple weeks later I received a nice letter from the gestapo's finest corporate attorney. It read something like, "we won't speculate to the validity of a claim till the claim occurs". No shiet, if I could tell the future too I'd be rollin' in the dough! __________________

10-17-2005, 07:46 PM	#3
RKA Member Account #: 2062 Join Date: Mar 2000 Posts: 67,038	Crap! My renewal should be here in a few days. I'll take a look at the verbiage and see what it's all about. Unfortunately the line that he quoted seems abundantly clear. (((( __________________ 2005.5 A4 Avant 2.0T Quattro 6MT APR 91/93/100 \| APR Exhaust \| 19" BBS RS-GT's \| Carbonio \| Hotchkis \| Partridge-in-a-pear-tree Others: 2006 TL on the block 2001 S4 sold 2000 A4 sold * September 11th, 2001 - Never Forget *

10-17-2005, 07:57 PM	#4
DeutschDriver Senior Member Account #: 75570 Join Date: May 2004 Posts: 6,155	ouch. that reminds me... anyone know Mercury's official stance on DE events? i've been tracking on luck and good-wishes.. and I'd like to know about the official policy, but i'm too chicken to call in. __________________ 2001 S4 Avant Silver / Onyx 6 Speed, Premium, Bose, Cold Totally stock for now... ;-) <rollseyes> Crappy day? Read this. What every n00b should know.

10-17-2005, 08:01 PM	#5
*O.W. Kenobi* R.I.P. Account #: 20137 Join Date: May 2001 Posts: 19,413	Calling is worthless, IMO. They'll always tell you it isn't covered. Check your policy instead. __________________ ======================================== My track videos * Brake FAQ * Kenobi lock pump * Kenobi hazard relay * Lidatek install * 43k oil analysis * 51k oil analysis * 60k oil analysis * 68k oil analysis * 76k oil analysis

10-17-2005, 08:02 PM	#6
DeutschDriver Senior Member Account #: 75570 Join Date: May 2004 Posts: 6,155	<digging through file cabnet> i'll post with what i find. __________________ 2001 S4 Avant Silver / Onyx 6 Speed, Premium, Bose, Cold Totally stock for now... ;-) <rollseyes> Crappy day? Read this. What every n00b should know.

10-17-2005, 08:02 PM	#7
*O.W. Kenobi* R.I.P. Account #: 20137 Join Date: May 2001 Posts: 19,413	Consider switching companies. Worst case, you'll spend $100 more? Seems worth it to me if you plan on tracking. __________________ ======================================== My track videos * Brake FAQ * Kenobi lock pump * Kenobi hazard relay * Lidatek install * 43k oil analysis * 51k oil analysis * 60k oil analysis * 68k oil analysis * 76k oil analysis

10-17-2005, 08:50 PM	#8
LCP AudiWorld Expert Account #: 125 Join Date: Mar 2000 Posts: 26,557	That's worse than worthless inasmuch as if a notation is made by your insurer... ...any ambiguity in coverage in your policy may have just been resolved in your insurance company's favor by calling them about it. __________________ "I can't stop apexing" 2000 S4 :: Nogaro Blue :: 6-spd :: AWE RSK04 :: AP Racing 13" 4-pots STaSIS Tracksports 550f/600r + 19mm rear sway bar :: APR Bipipe RS4 ICs :: Forge BPVs :: Autospeed DPs :: Borla :: Aquamist 1s UUC 40% short shifter w/spacer mod :: AWE center vent boost guage Lightweight flywheel :: 18x8 Ronal LZ's :: 235/40-18 Toyo T1R's 2002 allroad :: Atlas Grey :: Tip :: 245/50-17 Dunlop SP5000's Looking for tires? See My review of all of the tires I've had on my S4 Need info? See Everything anyone needs to know about their S4 Help our troops protect their heads: Donate to Operation Helmet Rest In Peace Matthew Ammon a/k/a O.W. Kenobi. May the Force be with you as you keep on apexing. Read his funniest post here.

10-17-2005, 08:50 PM	#9
Bauer Senior Member Account #: 64403 Join Date: Oct 2003 Posts: 6,638	Best to tow the car off the track and put it in a ditch:^) or pay for race insurance to make sure.... my .agent(good friend of mine) says it is covered (Farmers) but the verbage is the same as above. He is the one who said... just to make sure... get it off the track __________________ Bauer 07 A4 2.0T quattro - STaSIS Ohlins, STaSIS Alcons, STaSIS 4:1 center diff, GIAC, AWE Exhaust, AMS SS. 03 RS6 She will be missed 01 S8 01 S4 Custom STaSIS built 6 speed w/shorter gearing, STaSIS LSD, STaSIS center diff, STaSIS MotorSport Ohlins, STaSIS Alcon 6 pot, 14" rotors, STASIS rear Track Sport brakes, front and rear STaSIS control arms, Revolver Cams, plain KO4's....for now;^), custom exhaust, AWE fueling kit, X-1 Intake, RS4 IC's, 6 puck CM clutch, LW flywheel, Recaro's, RS4 bumper etc, etc, etc.... (now Chip Herr's...and being properly driven) "My stomach still gets queezy thinking about the drive in Ben's car in the rain. When I think back to the moment I have to concentrate so as to not crap my pants", guy who got a ride in my car with Jason driving (via IM to Jason)

10-17-2005, 09:44 PM	#10
RAD69 Member Account #: 24886 Join Date: Sep 2001 Posts: 3,015	Yep - that is one of the reasons that I never drive to an event __________________ Gone but not forgotten - 1998.5 ASS4

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