Track accident questions

[Shaman]

Forum Sponsor

So if I take my road bike or race bike (don't have) on a track and crash, then neither my car insurance, or my work insurance will cover me for the injuries sustained?

Car insurance is a no for sure, work insurance I am not sure. I know when I used to be a scuba dive instructor, I had to get a much more expensive insurance because it was considered to be a hazardous occupation and regular work insurance wouldn't cover me, but that was a long time ago and a different country.

My owner's insurance specifically states "motorcycle racing" as something they won't cover me on. It's a risk that has kept me from racing for years... I decided to ignore it for 2015...

 

[油井緋色]

My owner's insurance specifically states "motorcycle racing" as something they won't cover me on. It's a risk that has kept me from racing for years... I decided to ignore it for 2015...

So do they differentiate between racing and a track day?

 

[unL33T]

Owned many bikes, gotten many insurance policies, never once been asked if I am taking my bike to the track/competition. I find it extremely hard to believe that any insurance company would send someone to a track to scope out vehicles. The odds of them ever "catching" anyone is next to none.


The chances of it happening are next to none. If you are really paranoid, take your plate off.

Strange. Every quote I've gotten in the last 8 years for any vehicle they've asked me.

 

[unL33T]

So if I take my road bike or race bike (don't have) on a track and crash, then neither my car insurance, or my work insurance will cover me for the injuries sustained?

When you go to a track day with renting a bike and all gear from the organizers and sign all the waivers do you also get insurance from the organizers or is that on you as the rider to decide and take into consideration?

I'd assume it depends on your short term and long term disability benefits, assuming you have them.

 

[Shaman]

So do they differentiate between racing and a track day?

I've got to think that they'd fight you if there was a claim. Ultimately it depends on the calibre of your lawyer, likely.

 

[crankcall]

My injury (throughwork insurance) gets around any confusion for personal injury by calling it competitive motor sports, apparently that includes racing or a track day, which they consider "race training" . They also will not cover me for sky diving or scuba. High risk activity .

Its all good till you need to file a claim. Then you may need a lawyer.

In sailboat racing if someone is injured on your boat, they sue you personally and your insurance kicks in and covers it, as every Canadian insurance policy considers a sailboat will be raced. And you still need a good insurance lawyer.

Forum Sponsor