I've been curious about this for a while and haven't found an
answer...
As I understand it the SCCA policy is for liability. So, if I go
off course and damage a fence, building, etc., then it is
covered. I would also assume it is covered if I hit a parked
car... but what if I hit a parked competitor's car? Will it pay
for their car or does the SCCA insurance operate under
"racer's rules" where you fix your own no matter what happened?
Also, does SCCA insurance cover accidents in the pits or the
grid? Would it cover if say, my throttle stuck open and I hit
another car in the pits?
Is there a copy of the actual policy detailing the coverage anywhere? I
haven't been able to find one.
Was the earlier discussion about personal insurance policies just
talking about full coverage (fixing your own car) and personal policies
not covering autocrossing? Shouldn't we be covered, from a liability
standpoint, by the SCCA policy?
- Dave Disney
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