If you have been down at a trackday, and covered by Mass. insurance...

[slammp]

exactly what it did this year.

You should double check on that. I get that the insurance is finally covering you, BUT does that mean with or without your $500 deductible contribution. If they cover and say "but you were at fault" then you are in for a rate hike.

Not saying that is the case, but similar to if you rear ended someone in traffic. Yes they would pay, but it would be reported as a surchargeable offense and will be an increase.

Not being a downer, but you may want to confirm that.

[OreoGaborio]

I would have never went to the track on a bike i still owe money on, if i knew i wouldnt be insured.

What the hell does owing money on a bike have to do with going to the track or not?

[ThisBitch]

What the hell does owing money on a bike have to do with going to the track or not?

Uh... if you owe money on a bike and take it to the track without insurance coverage and total it... you're stuck with a bike payment and no bike.


IMHO, owing money on any bike in the first place is retarded. If you can't pay cash, don't buy it. But hey, what do I know!

[MysteriousR1]

IMHO, owing money on any bike in the first place is retarded. If you can't pay cash, don't buy it. But hey, what do I know!

I would have to say there is a exception to that though. I agree and my last three bikes were cash. But, my new KTM is financed due to the 1.99%. At about $200 in financing costs, I'll keep the money in my accounts.

But to stay on topic, insurance should not be applied to the track. Your flying on the track testing your limits(and bullshit that most people arent) so the chances of a crash are way higher. I am almost suprised that some people think insurance should be applied to the track.

[Degsy]

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IMHO, owing money on any bike in the first place is retarded. If you can't pay cash, don't buy it. But hey, what do I know!

I would have to say there is a exception to that though. I agree and my last three bikes were cash. But, my new KTM is financed due to the 1.99%. At about $200 in financing costs, I'll keep the money in my accounts.

But to stay on topic, insurance should not be applied to the track. Your flying on the track testing your limits(and bullshit that most people arent) so the chances of a crash are way higher. I am almost suprised that some people think insurance should be applied to the track.

Haha!

[Manny]

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Not that it's the topic here, but I would guess 80+ % of bikes sold new are financed.

[MysteriousR1]

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Haha!

Glad you see the humor..? Maybe I worded it wrong, but I did 8 days with your company and saw what I saw. Some people are there to push the limits.

[ilikenapalm]

I still don't understand why insurance companies have an issue covering trackdays. It can be pitched that you either ride in a controlled environment on a track, or you could go ride like a douchebag on the street and crash into a minivan or something.

If you throw your bike into a telephone pole and it crashes down and fucks up someones house you're covered, but if you lowside on the track and scratch up some plastic they have an issue paying out. That makes a lot of sense...

[R7]

[Not that it's the topic here, but I would guess 80+ % of bikes sold new are financed.

Which is the main reason why bike sales are down so much. It's harder and harder to get finacing

[MysteriousR1]

I still don't understand why insurance companies have an issue covering trackdays. It can be pitched that you either ride in a controlled environment on a track, or you could go ride like a douchebag on the street and crash into a minivan or something.

If you throw your bike into a telephone pole and it crashes down and fucks up someones house you're covered, but if you lowside on the track and scratch up some plastic they have an issue paying out. That makes a lot of sense...

Because you're not suppose to ride like a "douchebag" on the street, ya know speed limits and such.

[ilikenapalm]

Because you're not suppose to ride like a "douchebag" on the street, ya know speed limits and such.

You're not supposed to get drunk and crash a car either. It still happens. Insurance still covers you.


For that matter, you're not supposed to crash at all. So what you're saying is because you're not supposed to ride like a douchebag on the street insurance shouldn't cover any accident, ever.

[e30addict]

Glad you see the humor..? Maybe I worded it wrong, but I did 8 days with your company and saw what I saw. Some people are there to push the limits.

How is this different than people pushing their limits on the street? The general public behaves waaaaay worse on the street than anything I've seen at a trackday

Insurance covers you on public roads, even if you're an asshat. Insurance covers you in a private parking lot..... Why should a private track be any different? You control a lot more variables there.

I do think bringing nice bikes to the track and pushing it hard is stupid IMO unless you're prepared to write it off. I personally wouldn't rely on insurance. Just the increase in the premium after a wreck is worth buying a track bike to thrash. That's just me.


You can still get a lot of a trackday without trying to emulate Rossi. You don't have to run to the ragged edge.

Edit: Damn you guys type too fast

[OreoGaborio]

Your flying on the track testing your limits(and bullshit that most people arent) so the chances of a crash are way higher

You've done scientific research on this? You can state that as proven fact?

[OreoGaborio]

How is this different than people pushing their limits on the street? The general public behaves waaaaay worse on the street than anything I've seen at a trackday

Insurance covers you on public roads, even if you're an asshat. Insurance covers you in a private parking lot..... Why should a private track be any different? You control a lot more variables there.

I do think bringing nice bikes to the track and pushing it hard is stupid IMO unless you're prepared to write it off. I personally wouldn't rely on insurance. Just the increase in the premium after a wreck is worth buying a track bike to thrash. That's just me.


You can still get a lot of a trackday without trying to emulate Rossi. You don't have to run to the ragged edge.

Thank you.

[MysteriousR1]

Ok I lose. My point in this is that you are not suppose to be riding like that on the streets, but yes people still do.

[ThisBitch]

Ok I lose. My point in this is that you are not suppose to be riding like that on the streets, but yes people still do.

Pete is a track day faithful and gets upset when people say negative things about them.

I agree with you, as I've never crashed on the street and went 2 for 2 on track days. The thing is, when you're really new you don't even know what your limits are because its so radically different than the street. I knew people said 11 - 12 - 12a was slippery in the rain, but I didn't even know what slippery meant and followed an instructor through at his pace during an FTL lap, but without proper body position (something I would vastly improve throughout that day).

[OreoGaborio]

No, I get upset when people come to the track, forget how to ride within their limits, crash, then think "well the track must be more dangerous than the street" instead of pointing the finger where it belongs... at themselves.

SAME BIKE, SAME RIDER, SAME TIRES, SAME PAVEMENT... Other than the fact that there's no sand, no potholes, no traffic, no animals, no intersections, etc, it's not different than the street at all.


I started riding on the track 3 months after I got my first bike. I was as green as it gets. Now I've done roughly 65-70 track days over the last 7 years.... ONE track day crash. I've got more crashes on the street.

[Degsy]

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Haha!

Glad you see the humor..? Maybe I worded it wrong, but I did 8 days with your company and saw what I saw. Some people are there to push the limits.

Oh no. It was more a "haha" as in I knew the direction the topic was going. This is a very subjective topic and There will be two distinct opinions. I know mine, but I'm not commenting as I'm "in the business" so to speak. I will 100% agree with you that there are people there to push the limit. No doubt.

[G21forme]

No, I get upset when people come to the track, forget how to ride within their limits, crash, then think "well the track must be more dangerous than the street" instead of pointing the finger where it belongs... at themselves.

.

Well said pete, I love hearing excuses for an off at a trackday

[Chippertheripper]

I like hearing them excuses too. Unless they're like Eric's.

[Doc]

But to stay on topic, insurance should not be applied to the track. Your flying on the track testing your limits(and bullshit that most people arent) so the chances of a crash are way higher. I am almost suprised that some people think insurance should be applied to the track.

You may be testing your limits and MANY people EASILY exceed them BUT if you crash on the track more than likely...
1.) It is your fault
2.) You don't do any damage to anyone else (person or property)
3.) The injuries/damage are less than if you were "pushing your limits" on the street (which we know most people are) and crashed.

There is no oncoming traffic, there is less debris on the road, the corners don't change, you are watched by people with more experience and you are well protected.

Riding the track and pushing it IS safer than riding the street and pushing it.

EDIT: I read the rest of the thread and you guys already covered all this. Late to to party as usual.

[ThisBitch]

Yes doc, we get why the track is a holy being and should be worshiped as such. fuck.

The point is that whether people are 'supposed to' or not, they are pushing their limits. People aren't supposed to drive too fast in the snow, drive drunk, etc but they do and insurance coverage is priced and written accordingly. The same should go for the track.

[ThisBitch]

And quite frankly, it pisses me off that my bike insurance is higher than it should be because they cover people who crash at track days. I never claimed my crashes on insurance, just sucked it up and paid the price I had to pay for taking a chance with my bike.

[Manny]

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And quite frankly, it pisses me off that my bike insurance is higher than it should be because they cover people who crash at track days. I never claimed my crashes on insurance, just sucked it up and paid the price I had to pay for taking a chance with my bike.

How much higher is it?

[NobodySpecific]

And quite frankly, it pisses me off that my bike insurance is higher than it should be because they cover people who crash at track days. I never claimed my crashes on insurance, just sucked it up and paid the price I had to pay for taking a chance with my bike.

And it pisses me off that my rates are higher because people are too stupid to put snow tires on their cars and then drive when there is 8 inches of fresh snow on the ground, but there isn't shit I can do about it. They are taking an obvious chance with their car, should they suck it up and pay as well?

I pay insurance so that if something bad happens to my stuff then I'm covered. It doesn't matter if I do something stupid, if my policy says that I'm covered then I will make the decision of whether or not to make a claim, but I'm not going to feel bad if I do. I pay into the system just like everybody else. If it was hurting profits enough then they would exclude track days from the list of things that they cover, and that is their right to do so (and some companies do exclude them, which is fine). But if my agent tells me that I'm covered, then I damn well expect to be covered, and I wouldn't hesitate to make a claim if that was deemed the best course of action for me.