Race Car insurance?

Clarification ...

Quote:

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Originally Posted by mitchntx

Coverage is for 24 hours prior to departure for an event, the duration of the event and 24 hours after I return.

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The car cannot be stored in the trailer. They allow for storage in the trailer 24 hours before departure and 24 hours after arrival from an event. But outside of that, it has to be in a locked facility.

I have also asked for clarification of what constitutes an "event".

Is a dyno date considered an event? How about a car show? A sponsor display?

And what about while the car on the dyno ... technically, it's not moving, just spinning the drums.

Finally, jockeying the car around in the shop or loading into the trailer.

You guys may consider inquiring about owner/sponsor liability. If you were to lose a tire in the paddock and it seriously injured someone, or worse, the owner and every sponsor named on the car would be extremely exposed.

It's the nature of what we do and we are all at extreme risk of the unfortunate. Thank heavens Mosty didn't hit the camera man at Hallet or someone walks in front of you in the paddock when you come off with no brakes or... You get the picture, so many times we just got lucky.

Gene, who most of you have met, is in Baltimore with his oldest daughter getting her left leg lenthened by 3 inches. This because a broken throttle rammed a van into the crowd of Girl Scouts marching in a parade. The millions in lawsuits are being levied againts the innocent company who gracefully offered a manetic sign for the event to slap on side of the van to spruce it up. When bad things happen, no one is safe.

Boudy

hmmm ...

Yet more answers ...

Is the car covered while at the dyno facility, unloaded and strapped on the dyno?

Yes.


What about making a dyno pull? The car isn't moving, rather spinning a drum.

NOT while the car is running.


What about transport to and from the dyno? Do the same rules apply as if it were a race weekend?

Yes


I have sponsors that help me out a little here and there with product and services. No cash exchanges hands. In return, I display the car at their place of business a couple few times a year.
Would the car and trailer be covered the same as if it were a race
weekend, including transit to and from?

How many times a year, for how long at a time, and will the car be be "watched" during that time?



What about a car show?

Yes.



Finally, if I am pushing the car around in the shop or pushing it to be loaded on the trailer and something unforseen happens like scraping against a wall or the car sliding off the loading ramp. Am I covered?

No, because you are controlling the situation and we will not cover a lack of care or attention.



I use a winch to pull the car up into the trailer for transport. I snag a cabinet and rip it off the wall or pull the winch out of the floor ... covered?[Glenn Bornemann]

No on the cabinet because that is something you can prevent as you have control of the situation; No on the winch being pulled out of the floor and it means that the winch was the incorrect one for the job, or the car got hung up on something. Both preventable with proper attention to detail.