DE Insurance Coverage
I was coming into turn 8, which is an off-camber 90 degree left hander just before the carousel. Everything felt fine through the apex, but as I approached the track out the rear end came out well beyond where it usually does. I caught that slide and corrected, but the momentum swung back and I was unable to save it as it slid the other direction, eventually into the infield grass and concrete wall.
The driver side rear corner hit the wall and the car slid along the wall on its back bumper but did not ricochet the front end into the wall. There were no injuries, other than a sore back after a few days. I had a helmet, neck collar and Simpson 5-point harnesses with a harness/roll bar.
The rear frame rail was bent, and that was all she wrote. They stopped counting the repair costs at $30k.
Ultimately it was a bit too much speed at corner exit, but it was very subtle. Nobody could point to anything that I did wrong, but eventually old Duck Waddle said something like "he must have been going too fast".
I was coming into turn 8, which is an off-camber 90 degree left hander just before the carousel. Everything felt fine through the apex, but as I approached the track out the rear end came out well beyond where it usually does. I caught that slide and corrected, but the momentum swung back and I was unable to save it as it slid the other direction, eventually into the infield grass and concrete wall.
The driver side rear corner hit the wall and the car slid along the wall on its back bumper but did not ricochet the front end into the wall. There were no injuries, other than a sore back after a few days. I had a helmet, neck collar and Simpson 5-point harnesses with a harness/roll bar.
The rear frame rail was bent, and that was all she wrote. They stopped counting the repair costs at $30k.
I was coming into turn 8, which is an off-camber 90 degree left hander just before the carousel. Everything felt fine through the apex, but as I approached the track out the rear end came out well beyond where it usually does. I caught that slide and corrected, but the momentum swung back and I was unable to save it as it slid the other direction, eventually into the infield grass and concrete wall.
The driver side rear corner hit the wall and the car slid along the wall on its back bumper but did not ricochet the front end into the wall. There were no injuries, other than a sore back after a few days. I had a helmet, neck collar and Simpson 5-point harnesses with a harness/roll bar.
The rear frame rail was bent, and that was all she wrote. They stopped counting the repair costs at $30k.
Another saying that I think is apropos is with regard to mid-engined cars in general: The good thing about a mid-engined car is that it is easy to turn. The bad thing about a mid-engined car is that it is easy to turn.
As with the 911, if the back end comes around too far on you it is hard to get it back.
That's what I like, oversteer on steroids. PSM usually helps get the 997 out of trouble.
I'd agree that the other exclusion is defined as "anything" on a closed course or racetrack.
Generally speaking, an HPDE should be covered under the event-based language but can be properly denied under the location-based language.
Another thing to consider is that a supplemental policy may be limited to property damage and not cover the potential personal injury or third-party liability.
They are full of exclusions. They will pay to fix your car if you lose control and slap a wall. They will not pay if a mechanical failure causes the car to lose control (tranny locks up or a rotor explodes).
The supp policies do ask for your current PAP carrier. They will notify them if you have a claim (they want to be sure you don't collect twice). This could cause your PAP to be canceled.
A certain level of risk is an inherent part of the sport. I try to mitigate that risk through the events I choose and the way I prepare for and drive at those events.
I've raced for 17 years. I've been lucky and have only experienced two major incidents and 4 or 5 minor incidents. No one needs liability in racing events. You just fix your own car and go on.
It's simple to me. I just race cars that I can afford to total and walk away.
I agree. Unless you have a lap timer in the car.
Irrelevant. Having a timer, a stop watch, etc. does not make an event Timed. The decider is if the event is competitive, which DE is not (ie: Autocross and Racing).
Irrelevant. Having a timer, a stop watch, etc. does not make an event Timed. The decider is if the event is competitive, which DE is not (ie: Autocross and Racing).
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