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Old 03-31-2008, 03:38 PM   #1
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track wreck question

I recently signed up for a noob day with lms and am scheduled 4/26. it is my first and i dont really have planned on going down any. the reason being is i plan to be taking it easy (i read alot about egos and all). BUT what would happen if someone were to clip me in a turn or go down inside a turn? i dont have full coverage, and i dont think very many ins. co. would insure you anyway given the location. ANYWAY would some of you expect for the person at fault to pay for damages? is it handled off the track? are you SOL?
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Old 03-31-2008, 03:41 PM   #2
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Reality : happens, so be prepared for it.

The other rider is not legally bound to pay for your stuff, but in theory should.

If someone were to run into me, on ACCIDENT, id be upset, but wouldnt bother.. I may do the same to someone else one day.

BUT, if someone is just riding way over their head and acting a fool, and while in the process of doing so, hit me, Yes, Im and we will have a problem.
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Old 03-31-2008, 03:42 PM   #3
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BTW, most insurance companies will cover your damages.... its at a school, not a race.
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Old 03-31-2008, 03:51 PM   #4
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thank you sir ill keep that in mind I havent had full cover since i started riding (2 yr.) because i cant afford it and i feel my luck is gonna run out some day
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Old 03-31-2008, 03:55 PM   #5
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Quote:
Originally Posted by Solracer View Post
Reality : happens, so be prepared for it.

The other rider is not legally bound to pay for your stuff, but in theory should.

If someone were to run into me, on ACCIDENT, id be upset, but wouldnt bother.. I may do the same to someone else one day.

BUT, if someone is just riding way over their head and acting a fool, and while in the process of doing so, hit me, Yes, Im and we will have a problem.
in street theory they should pay for it.

BUT, you're on your own at the track. just give space, and have fun. if someone made a stupid move, let one of the instructors or track organizers know whats up.

NOOB days are real easy goin and you'll be fine. just don't go out there thinkin you will be fast in 1 day, some people push the limits because they ride as fast as their buddies on the street....and their buddy goes faster around the track, they feel they can do the same. WRONG! some people learn faster than others....you just gotta take your time and take it easy. it's about FUN, so ease up and don't focus too much on negative things like wrecking into each other and stuff.....those are VERY rare occasions.
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Old 03-31-2008, 03:57 PM   #6
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ask yourself if your street riding is really any safer then the track.
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Old 03-31-2008, 03:58 PM   #7
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i re-read my post...kinda sounded like i was pokin at ya for being worried...my apologies if it did sound like that, not what i meant.

just keep your mind focused on how FUN it's gonna be....and you'll do GREAT!
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Old 03-31-2008, 04:59 PM   #8
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Quote:
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ask yourself if your street riding is really any safer then the track.
i do ride very safe. in fact i dont really ride street anymore cause its too dangerous, its just sitting in the garage. im waiting for this td to see if i wanna go track only

i think i will.
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Old 03-31-2008, 05:03 PM   #9
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Quote:
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i re-read my post...kinda sounded like i was pokin at ya for being worried...my apologies if it did sound like that, not what i meant.

just keep your mind focused on how FUN it's gonna be....and you'll do GREAT!
(forgot this)


No offense taken sir, appreciate your input and i do look forward to this day personally i think i believe ill be good at it and am def. gonna enjoy it!
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Old 03-31-2008, 05:08 PM   #10
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WOW... The EXACT scenario you gave happened to me. An up-and-coming racer lowsided into me, totalled my bike and I tallied up $36K in medical bills.

Bike and health insurance paid a great deal of it, but I was still out of pocket about $1,500 after deductibles, etc...

I've got the guys name, number, address, DL, phone number, etc, etc, etc... so I'm sure he could have figured out how to get ahold of me, too. Funny thing though, I never even got so much as an apology from him.
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Old 03-31-2008, 05:09 PM   #11
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IF you feel any other rider is riding irresponsibly and/or over their head, inform an instructor ASAP!

On a NOOB it's very unlikely to happen but it does happen.

Like others have said, no the other rider would not be obligated to pay. However, the track scene is small and reputations die hard. If the other rider is clearly at fault it's in poor taste to not cover the repairs.
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Old 03-31-2008, 05:12 PM   #12
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BTW, I also ride safely... haven't had a crash yet that was my fault. But it really doesn't matter! Plan for the worst, dood.
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Old 03-31-2008, 05:38 PM   #13
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Maybe I'm all wrong but I see the track as a no fault situation. No one plans to go down. Most insurance companies (that I am aware of) do not cover on a track. Since it is not a public roadway or parking area and the speeds are not goverened they will not cover. Yeah, anyone can lie and say it happened somewhere else if they are that kind of person.

I think going to the track is like going to Vegas. Don't gamble what you can't afford to lose. If you need that bike for daily transportation why would you take a chance? If you don't have medical coverage how could you consider it?

Just one persons opinion.
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Old 03-31-2008, 08:06 PM   #14
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I'd expect a little something if someone hit me and it was clearly their fault. Like, some clipons, rearsets, forks, and odds&ends to get the bike rideable. But if you're riding a pretty new street bike I wouldn't expect anyone to get it back to perfect. And if you're riding without health insurance I surely wouldn't expect someone to realistically cover tens of thousands of dollars in med bills. Deductible is one thing but med bills can get huge.

My friend hit me when we were riding a bit close. We split the costs and called it square.
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Old 03-31-2008, 08:12 PM   #15
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I just upped my coverage to add collision and I asked about track days and the answer I got was, most companies cover it as long as its a school and an un-timed event
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Old 03-31-2008, 08:14 PM   #16
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Maybe I'm all wrong but I see the track as a no fault situation. No one plans to go down. Most insurance companies (that I am aware of) do not cover on a track. Since it is not a public roadway or parking area and the speeds are not goverened they will not cover. Yeah, anyone can lie and say it happened somewhere else if they are that kind of person.

I think going to the track is like going to Vegas. Don't gamble what you can't afford to lose. If you need that bike for daily transportation why would you take a chance? If you don't have medical coverage how could you consider it?

Just one persons opinion.
free ins. from work, and its not a daily driver, i have a nice truck to get me around. i would deff. be saddened and maybe cry, but i do know its a gamble and somebody SURE AS better say im sorry.
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Old 03-31-2008, 08:15 PM   #17
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Quote:
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I just upped my coverage to add collision and I asked about track days and the answer I got was, most companies cover it as long as its a school and an un-timed event
Man! i gotta get in on this!
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Old 03-31-2008, 08:40 PM   #18
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Quote:
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Man! i gotta get in on this!
not all companies do but he said most do in that case, just be sure and ask
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Old 03-31-2008, 09:04 PM   #19
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not all companies do but he said most do in that case, just be sure and ask
It would be smart to check with your insurance company before riding in a track day! I know Geico and State Farm will cover a track day!
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Old 03-31-2008, 10:39 PM   #20
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I seem 2 be answering this question weekly

The track is considered a "no fault zone" meaning no matter what happens or whose more at fault than the other, liability cannot be upheld due 2 the main fact that there is no right of way out there. It's basically a "ride at ur own risk" event. So u get clipped there is nothing BINDING them 2 cover ur damages.

Check with ur current insurance co, and determine if track days are excluded from ur policy, speak with claims and underwriting 2 verify that. If it is ur fkd and need 2 seek other ins co's, if it's NOT EXCLUDED (which 95% of the time it won't be), add the collision coverage 2 ur policy for the weekend, and then remove it.

Sounds like u need 2 switch co's anyway, full coverage is out there for less than $80/month on a r6, especially at SF, PM me or Tuan for a quote!
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