so i was at the track last night and rear ended someone while in line to race.. no police report was filed. the other driver is cool with me just replacing his bumper and not going to his insurance. i was told that ins companies will not cover you at a track. is that true? thanks in advance!

 

What damage was done to your car? Why would insurance not cover it? You were not racing when the accident occured.

 

i hit a truck.. so the bumper pushed everything from the headlights back to the front of the engine. the radiator is sitting on the pulleys. i dont know for sure if they will not cover me but i was told by many people at the track that the ins company will not cover me...

anyone here work at an ins co. that can tell me for sure?

 

my only advice is to be honest, because if the insurance company thinks you're trying to pull a fast one, they'll crawl so far up your *** you'll feel like you're sitting on a pair of loafers. they will do anything to not pay a claim.

 

Well, without telling you to lie, I would ask if you had raced any at all that night before the accident, and next, were you racing when the accident happened? If the answer is yes, then I would go to your agent and tell him what happened. He will have to determine if he considers this racing...staging is part of racing, but following a group of cars on a private road isn't...it's up to you, but I would work on your agent before I claimed the accident...

 

Oh, and by the way, most ins co want a police report on damages above $1000 which you will have for sure....at least in my state...

 

the agent may determine it's one thing, and the claims adjuster (or worse, investigator) may determine another.

i do not see this ending well, or inexpensively.

 

yes i had raced one time already. no it had not occured while racing.. there were several cars (15 or so) in front of me in my lane. i rear ended the truck in front of me while in that line.

 

when u mention it was at a race track, yeaa...... that will be a turning point to a no unless they r in a very good mood

 

Mr. F is right. Once they ask where it happened..........
Pat

 

Just tell you agent the truth, and let the chips fall they they do. That's all you can do. Hopefully since you were not actually on the track they will consider it a true accident. You never can tell.

 

Here's the damage. I can take them off if need be, but they ain't pretty

 

WOW! That is pretty severe damage! As far as the insurance thing goes, when you entered the grounds you have to sign a release of liability. I wonder if how that document is worded will have an impact on a claim??

 

the only word i can come up with right now is "screwed."

wait, i thought of another. "doomed."