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HPDE Insurance Claims

Are HPDE insurance claims reported as an accident to the DMV, and to the Insurance Co.database in the cloud so they can jack your rates on your street car policy?
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Old 07-24-2017, 03:01 PM
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Nowadays, many (most?) insurance policies specifically exclude anything that happens at a facility that is used for racing. I've never seen an on-track incident handled with liability insurance -- it seems like it would be very complicated.
Old 07-25-2017, 12:48 AM
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I think what the OP is asking is that if one were to file a claim through an HPDE insurer, would that claim somehow come back to haunt them as higher premiums in other, unrelated auto policies. He's trying to understand to what extend track claims stay on the track. .
Old 07-25-2017, 03:10 AM
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Oldspool87 , yes thats the feedback I am looking for.
Would a track incident w a HPDE Insurer impact my ins. premiums with my everyday non track insurer.
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Old 07-25-2017, 03:19 AM
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You would have to contact your insurer to find that out, I think. Perhaps that would be one of the things you ask any provider before you purchase?

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Old 07-25-2017, 10:04 AM
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I found out that the insurer does not report on track accidents, fyi.track ins is a diff class insurance, obviously , hence the reporting system is different.
I also found out that they will not insure me for 3 yrs after a claim. That is pause for concern and re evaluating driving on the track.
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Old 07-27-2017, 04:16 PM
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um.. you could just not have an accident. Perhaps in the minority, but it is possible
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Old 08-03-2017, 02:53 PM
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Or drive a less costly car that is less concerning to have an incident in. At least until you have the confidence with those you drive with to go out in the more valuable car. I would say that in my 7 years of HPDE so far I have been very lucky to drive with what I feel are a very considerate and sane group of drivers in our PCA club. I've never seen two cars impact ever. (now I'm jinxed). I think you're jumping the gun being concerned about the second incident.
Plenty of one car incidents.
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Old 08-30-2017, 10:42 AM
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Do Not... "INVOLVE"... other Cars, People or Witnesses!

#1 Rule for Car Ins. Claims:
"Do Not... "INVOLVE"... other Cars, People or Witnesses!"

Sometimes... the older you get, the smarter... ya' get... "SOMETIMES"?
Strange things happen on the way to a Porsche car show or DE events...?
I have Towed my street / full race DE Car to shows and De Event in
the past 13 years. To date have had (3) completely covered Ins.
Claims Paid off with no increase in Ins. Premiums!

1) Ball Joint broke and went off road at 50 MPH and caused major damage to nose, Undercarriage, Suspension and Passenger fender... completely covered... Ins. Claim - About $8K paid in full! Towed my own car home and filed claim.

2) Blown Motor...Claimed rear main seal leaking oil on hot exhaust header at 65 MPM
caused fire under car and burned all of the back side and underneath of the car... Insurance Claim a little over $4K paid in full, again towed my car home and filed claim.

3) Windshield Cracked from a rock thrown into it on track while trying to pass... towed home and filed claim. Ins. Co. Paid about $500 to replace. They didn't even come out to inspect it!

Use that thing you have that sits between your two shoulders and on top of your body! A Mind is a terrible thing to waste... when it comes to having Car Insurance Co. Ripping u off every time you pay your monthly bill! Why do u think they call it insurance. Buying Car insurance is like buying a Million Dollar Life Insurance at 10X Decreasing Term per year... pay out... "You Think"!

Ron...
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Last edited by RRRacing1970; 09-02-2017 at 05:47 AM.. Reason: spelling
Old 09-02-2017, 05:47 AM
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I know quite a few people who have balled their cars, been reimbursed via track insurance, and have continued driving in new cars, insured by the same carrier. It makes no sense to me that a track insurer would fail to cover you again after a claim.
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Old 09-12-2017, 07:01 AM
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