I've never taken my street car on the track because (1) I never had a sport car to take and (2) no one I know does so no one to explain it to me.

I've been on the track on my motorcycle a few years back and it was amazing. Also did the Porsche on-track demo day and nearly wet myself from happiness after two laps in the 997.

Now that I have my sights on a 991, I REALLY want to do it a few times per year for some fun, but I don't understand how some things work:

1) What happens when there is some sort of accident in terms of responsibility and insurance or lack thereof?2) Where or with whom can I go around Northern NJ that is a reasonable distance within a 2-3 hour radius?

I guess the first question is the biggie. No way am I taking a brand new $125k car on the track to either crash it myself or have someone else crash into me and walk away saying "sorry".

Thanks guys!

 

These topics have been extensively covered in the past.

Basically, the majority of insurance carriers exclude coverage for events on a track or closed course, even if it's 'driver education'. The only way to know for sure is to ask your agent.

There are companies that do provide coverage for track events, sometimes the event organizer will list one.

Many of the groups that organize track events have insurance that will help with medical payments. None provide any coverage for damage to your vehicle. Check with the organizer of the event.

Will your health insurance cover an injury? Need to ask about exclusions there as well.

Most organizations have a sort of 'gentleman's agreement' rule - if two people have an incident, they need to work out who pays for what. Most will also ban you from further events for 13 months for an incident involving body contact. Race groups obviously have different rules.

One rule of thumb many use - never take anything to a track you are not prepared to walk away from. Ever wonder why the most tracked vehicle is a Miata?

 

Funny thing is that I've actually heard this before. Ok so that basically covers it. Guess the 991 will have to stay on the road for now.

Thanks a lot for the answer!

 

I took my 997 to NJMP for a driver education day. Great class lots of Track time, half the time had an instructor with me. 100mph on the straight, learned the most in the twistys though, No passing. First time I did that and I'm goin back. Bought a insurance policy for 5 events, $10k deductible. $325 total for the insurance. Get the insurance and go, you can afford it!!

 

Did NJMP provide arrangements for the insurance? Is it really a good quality policy? $325 is not bad for 5 days.

 

The NJMP website had a link to it. I asked , somebody slams into me and my $60k car is a goner...agreed upon value when policy issued, they would inspect after crash etc....

 

You break it, You buy it. And every man, women and child for themselves.

Everyone pays for their own damage. Generally, your insurance will not pay. Accidents are pretty rare for these track days, but not unheard of.

People who race have a much greater tolerance for this risk. We often drive cars that cost $30k to $150k in race situations with no insurance.

I don’t put anything on a track I cannot afford. And then I try really hard not to crash it J

 

That day was PRICELESS,...I learned that I'm 49 and have no idea how to drive fast in the twisties and I sit tooo far from the wheel!! Among other things I learned. I would pay twice that much for insurance!!!

 

Don't worry about crashing your car if you pick the right event. HPDE's organized by PCA, BMW or Chin Motorsports are very professional run, you will be in novice run group with an instructor next to you when on the track and have classroom sessions during the day.

In novice run group you will only be allowed to take over on the straights using point-by signal, and you are not racing against anybody, you are on the track with your car having a blast. A $125K insurance with $2500 deductible will cost you about $700 for a weekend, and the event itself will cost $400-500 for a weekend.

I have never heard about any person injuries and have seen very few crash in novice run group. So far I have done 7 events this year on 3 different tracks.

It is such a big rush to be on the track with your 911, only on the track you experience what the car is build for. I usually say to people who asks if it's fun to be at the track with my 911, that it is the most fun I can have with my pants on

Go for it, it's safe and you will have a blast!

 

start by buying a $300 plain ticket to birmingham, Ala, then by a one or two day package($1800-3600) to the Porsche Driving School where you can drive their 991s, '13 Boxster S's, and caymens, panameras, cayennes and then decide how much fun you have had and go track your car.

 

Problem is that I KNOW that's its ridiculously fun!! Just want to do it with putting a new 991 on the line. That's a but much risk for me.

 

You could buy a super kart.

 

Those do look like a ton of fun! Although if I could, it would be a motorcycle again. There is simply nothing like it carving through a turn leaning waaaay off.

 

In my young days we took the cars to unused airports and ran Slalom runs. Of course, there was only one of us on the course at a time. What happens if someone gets hurt?

ChuckJ

 

I looked into this, looks Great!