Although, as has been said, what the insurance geeks claim it is will
probably be the definition most favorable to them, it is my understanding
that "speed contest" is codeword for "midnight drags"
OTOH, I have heard of cars damaged in an autocross mishap that WERE covered,
with the insuror buying the SCCA premise that what we do is neither race nor
speed contest (the lack of wheel to wheel helps a lot there).
It depends. It depends on who your insuror is, who your agent is, whether
the claims guy is a jerk or not, what state you are in, what company insures
you (and even that aspect has inconsistent effect from state to state),
whether the stock went up or down last week, the phase of the moon, etc,
etc, yada yada.
Which all means, there is no yes/no answer that applies in all situations.
You have to find out what it is locally. I bailed on State Farm because of a
hostile corporate attitude toward what we do despite a friendly agent, other
State Farm customers in other states were heartily recommending them as
friendly to our sport. Go figure.
--Rocky Entriken
----- Original Message -----
From: "David W. James" <vnend@adelphia.net>
To: "National Autocross Mailing List" <autox@autox.team.net>
Sent: Friday, March 28, 2003 3:03 PM
Subject: Re: Insurance Question
> On Friday, March 28, 2003, at 03:22 PM, Lee Witkowski wrote:
> > While reviewing my high auto insurance police costs, I noticed this
> > addendum to the policy:
>
> > "It is agreed there is no coverage while an insured motor vehicle is
> > engaged in a prearranged race or SPEED CONTEST."
>
> > Do you think that this wording excludes autocross?
>
> > BTW the insurance carrier is State Farm.
> > Lee Witkowski
>
> Well, is autocross a speed contest? That depends on how they define
> the two words. You can bet that they will define them in the way that
> costs them the least amount of money (which isn't the same as being
> overly broad; if they think they will make more by selling insurance to
> autocrossers than they pay out, then the definition will exclude it.)
>
> The SCCA's definition of an autocross is:
>
> "Solo II events are driving skill contests that emphasize the driver's
> ability and the car's handling characteristics." That doesn't look
> like a speed contest to me. What your underwriter would say is another
> story...
>
> David
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