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Old 10-26-2009, 03:50 PM   #1
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So You've Crashed Your Street Bike At A Track Day...

...and you have have insurance and want to claim it. How did that work out for you?

I've never done it, but I know a lot of people here have. Some insurances don't allow closed-circuit events, so how did you work that out? Let's hear the horror stories, and the success stories, of claiming a motorcycle after it was wadded on the track at a track day.
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Old 10-26-2009, 03:53 PM   #2
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Old 10-26-2009, 03:57 PM   #3
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deer or dogs in the road works for me....
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Old 10-26-2009, 03:59 PM   #4
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I said I went down on 149 and it was a single veh. accident so the police didnt write a report and had no problem .
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Old 10-26-2009, 04:01 PM   #5
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When I wrecked mine the first time, I claimed it. My insurance was American Modern and they cover track days. When the adjuster came and looked at it he was very friendly and and even stated that he would rather cover a td crash than one on the road. They did exactly what they said they would cover.
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Old 10-26-2009, 04:01 PM   #6
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yeah for ins. fraud..........
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Old 10-26-2009, 04:02 PM   #7
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yeah for ins. fraud..........
was this directed at me?
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Old 10-26-2009, 04:23 PM   #8
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Quote:
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was this directed at me?
probably not...i went down on 149 comment above. who needs insurance anyhow? ride dirty...at the track!
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Old 10-26-2009, 04:26 PM   #9
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Good thread topic!

I always wondered about that too.
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Old 10-26-2009, 04:28 PM   #10
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I went down at the track on my at the time street bike and my insurance covered it. Most insurance will cover a track day. Heck my insurance agent called me on my ways home from the track and already had the ball rolling on my claim, and I hadn't even called in the accident yet.
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Old 10-26-2009, 04:32 PM   #11
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Now that its back open..

I lowsided mine pretty good at OHR, my State Farm agent is a friend of mine so I told him exactly what happened off the record to see what I should do. He said that as long as it is not a timed event i.e. race, that you are allowed to make the claim, but SF will probably drop you after the second time. In my case though.... "I hit a gravel patch on [whatever road OHR is off of] and crashed. One vehicle accident, no injuries]

Dunno how it works with other agencies..
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Old 10-26-2009, 04:42 PM   #12
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this is on my mind every time i do a trackday, which has been a lot lately. i had a thread about this in the SF sponsor section, i got a helpful pm from tuan. and no, i haven't crashed (badly) at the track. =)
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Old 10-26-2009, 04:47 PM   #13
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Quote:
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I went down at the track on my at the time street bike and my insurance covered it. Most insurance will cover a track day. Heck my insurance agent called me on my ways home from the track and already had the ball rolling on my claim, and I hadn't even called in the accident yet.
He called you on the way back from the track to tell you he started the claim process on a crash he didn't even know you had? Now that's service!
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Old 10-26-2009, 04:54 PM   #14
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Quote:
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He called you on the way back from the track to tell you he started the claim process on a crash he didn't even know you had? Now that's service!
It was a she. And someone posted on MH that I went down shortly after it happened. She saw it an called me. Yep! She is a top notch agent in my book!
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Old 10-26-2009, 05:42 PM   #15
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if you're riding your insured motorcycle and damaged it, their job is to pay for it when you file a claim - full coverage insurance anyway..
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Old 10-26-2009, 06:29 PM   #16
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if you're riding your insured motorcycle and damaged it, their job is to pay for it when you file a claim - full coverage insurance anyway..
unless you do it over and over...
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Old 10-26-2009, 06:38 PM   #17
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Quote:
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if you're riding your insured motorcycle and damaged it, their job is to pay for it when you file a claim - full coverage insurance anyway..
There are exclusions and exceptions in some policies. Things like closed course, timed event, street racing etc. can be excluded from coverage.
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Old 10-26-2009, 06:42 PM   #18
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I've heard that if you say that the Track Day was for riding instruction or a school, some insurance policies will cover you. Pachuco sells insurance. Ask him
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Old 10-26-2009, 06:51 PM   #19
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There are exclusions and exceptions in some policies. Things like closed course, timed event, street racing etc. can be excluded from coverage.
True! Best thing to do is ask your agent before you get on the track. After reading Linz post again. I think something must have been said somewhere about someone wrecking a bike at the track w/ no insurance then adding insurance and claiming it after the fact. Just a guess. That is fraud!
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Old 10-26-2009, 06:57 PM   #20
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I said I went down on 149 and it was a single veh. accident so the police didnt write a report and had no problem .


Posting insurance fraud on the interwebs ftw
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