Not all insurance companies have the same clauses in their contracts.
Not all branches of the SAME insurance companies have the same clauses in
all their contracts.
Just because Idjit Insurance in Idaho has a "timed event" clause in its
insurance contracts, does not mean Idjit Insurance in Indiana has the same
clause.
Read your policy. Look for language like that that might make a claim
refused. If you find it, change to another company. Ask the agent up front
if you are covered for Solo, for track schools, etc.
People with State Farm have reported very good results when making a claim.
MY State Farm tried to use the very idea that my kids MIGHT go autocrossing
to double their LIFE insurance premiums. We went elsewhere, and took not
only our life business, but also our car and homeowners business too.
Obviously my experience with State Farm was not reflected in others'
experience. The reason? That they lived in different states had a lot to do
with it.
And BTW, if your agent makes a representation of what your policy covers, he
is an AGENT of the company which legally means he speaks for the company. If
he said it, it is so. Of course, if later he lies about what he said and it
is his word against yours and his lie is backed by policy language, you are
likely screwed unless you have good witnesses or evidence to his original
representation. It goes back to, read your policy. Make sure what your agent
told you is (or is not) in there.
(BTW, my State Farm problem was not with my agent, who is a good and honest
man; but with his underwriters. When my problem arose, my agent told me up
front.).
--Rocky
----- Original Message -----
From: "David Cramer" <dcramer@translationtech.com>
To: "Dave Whitworth" <dave@wcsllc.net>; <autox@autox.team.net>
Sent: Thursday, December 20, 2001 6:15 PM
Subject: Re: autox insurance
> Ouch!
>
> I have called K&K. Have you?
>
> They do NOT sell individual autox insurance.
>
> They sell "Event Insurance". This is not what I am seeking.
>
> Don't tell me I am pissing and moaning about this. I am trying to
determine an
> actual solution. IF you are aware of one I would love to hear it.
>
> And...Why shouldn't insurance companies cover this? Am I not paying my
insurance
> bill? We are conditioned to believe that insurance companies have the
right to
> drop us whenever they want and to not insure us all the time.
>
> I know it was my fault. But isn't that what insurance is for? To cover
> accidents, even if they are our fault?
>
> I understand your point and have accepted full responsibility for my
actions,
> but I would like to find a solution that allows me autox without worrying
about
> insurance.
>
> David Cramer
> bmw 330ci
> bmw m3
> honda crx si
>
> Dave Whitworth wrote:
>
> > Not to say that insurance companies haven't been party to some big screw
> > jobs....
> >
> > And not to say that it totally sux that you hit a pole and totaled your
> > car...because it does...
> >
> > But.....people in general piss and moan about insurance rates, and are
> > pretty ruthless in finding the cheapest ones.....then expect an event
like
> > autocrossing to be covered under the basic policy?
> >
> > If you want/need coverage while racing, call K&K and get it - I'm sure
there
> > is some type of policy that will do it.....but why you would expect a
> > regular policy to cover this is beyond me!
> >
> > If they cover your loss, that money eventually costs all of us in
> > premiums....and I don't want to pay for your accident which occurred WAY
> > outside the scope of the policy you purchased.....
> >
> > "This is going to cost me serious cash"
> >
> > It should - it was your mistake. Life sucks, but there is a risk in any
> > type of speed event - even autocrossing!
> >
> > And, no I don't work for an insurance company....
> >
> > DaveW
> >
> > ----- Original Message -----
> > From: "David Cramer" <dcramer@translationtech.com>
> > To: <autox@autox.team.net>
> > Sent: Thursday, December 20, 2001 4:55 PM
> > Subject: Re: autox insurance
> >
> > > I DO have progressive and I HAVE hit a pole while autoxing. They will
> > > NOT pay one cent of my car that was totalled. They sent me a letter
with
> > the section # in my insurance
> > > which states that the insurance is NULL in all "timed events" and that
> > > they will not cover this claim.
> > >
> > > The key words here are "timed events". This is how the insurance
> > > companies are going to try to get out of paying your claim.
> > >
> > > /// autox@autox.team.net mailing list
> > > ///
> > > /// To unsubscribe send a plain text message to
majordomo@autox.team.net
> > > /// with nothing in it but
> > > ///
> > > /// unsubscribe autox
> > > ///
> > > /// or try http://www.team.net/cgi-bin/majorcool
> > > ///
> >
> > /// autox@autox.team.net mailing list
> > ///
> > /// To unsubscribe send a plain text message to
majordomo@autox.team.net
> > /// with nothing in it but
> > ///
> > /// unsubscribe autox
> > ///
> > /// or try http://www.team.net/cgi-bin/majorcool
> > ///
>
> /// autox@autox.team.net mailing list
> ///
> /// To unsubscribe send a plain text message to majordomo@autox.team.net
> /// with nothing in it but
> ///
> /// unsubscribe autox
> ///
> /// or try http://www.team.net/cgi-bin/majorcool
> ///
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