Quote:
Originally Posted by toehead93
You better check your policy because most have added lines that coverage is removed just by being on the same property as a track. Which means if you have an accident in the parking lot you need to prove it didn't happen on the track. It also means no way you get covered at HPDE. There was a time about 10 years ago where a lot of insurance companies had the loophole you speak of but I don't know if any now. Each state is different so maybe you are lucky but don't be shocked if you get denied, most likely you'll have to hire an attorney to help make the case.
Double check and post a copy of the fine print if you can.
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Most insurance companies have different language like you mention. Mine has the below exclusion for both liability and collision coverage:
During any organized or agreed-upon racing or speed contest or demonstration in which your insured car has active participation, or in practice or preparation for any such contest.