State farm covers bike at track?? - Chicagoland Sportbikes
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post #1 of 16 (permalink) Old 03-09-2005, 04:08 PM Thread Starter
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State farm covers bike at track??

I just got off the phone with the state farm agent. i don't really think she knew what she was talking about, but herre goes:

1. I asked if it would be covered at the track- she said yes it would, why would it be covered somewhere and not somewhere else?

2. I asked are you sure (about 8 times)? I said i didn't want to have to fill out a claim and say it happened at the track and be SOL.

3. I was asking her about just getting fire and theft, etc sort of a comprehensive only, since i would be using it at the track only and don't need liability and i seriously doubt they will pay collision or comp at the track anyway. She said something about having to suspend my coverage and blah blah. i gave examples of if the bike got stolen or fell off the truck in transport,etc. i don't think she got what i was talking about. I finally asked her if they insure off road bikes or atv's etc and said that i would need something like that.

Basically she's going to have to get back to me.
I also asked about ditching the "medical coverage" she said you need to have that? Is that true?

Anyone have experience w/ insurance and track or state farm?
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post #2 of 16 (permalink) Old 03-09-2005, 04:16 PM
pfft.
 
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I have state farm. I don't take my bike to the track, though. But as for medical coverage, it depends on your health insurance. Most people's health insurance will only cover certain things-- and where yours falls short, your auto policy can pay in the event of an accident. It also helps in case you cause an accident and the other party has insufficient medical coverage.

If you are over 25 I would get it because it's so darn affordable to not get it. I work two jobs and am in school and I still have it. My policy is around $600 per year for complete total full coverage and a reasonable deductible.
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post #3 of 16 (permalink) Old 03-09-2005, 04:34 PM
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I worked with couple state farm agents, and IMO they are all crackheads. And the company blows. But that's just IMO. Oh, and out of all the companies, I HIGHLY doubt they would cover ya on the track.
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post #4 of 16 (permalink) Old 03-09-2005, 04:37 PM
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I wonder if she even knew what you meant by 'the track'......

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post #5 of 16 (permalink) Old 03-09-2005, 04:38 PM
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i know someone who was covered when they crashed at a track day. I'd never make that claim personally, but sometimes you gotta do what you gotta do!

Chris
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post #6 of 16 (permalink) Old 03-09-2005, 04:44 PM
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My understanding is that a "track day" can be considered an educational controlled environment...ie saftey track day, or whatever spin you can think off. Racing at the track is another story.
Unless I total it, I can't see it making any sense to make a claim. Your rates are going to shoot up.

the uncarved stone
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post #7 of 16 (permalink) Old 03-09-2005, 04:47 PM Thread Starter
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Quote:
Originally Posted by bwa
I worked with couple state farm agents, and IMO they are all crackheads. And the company blows. But that's just IMO. Oh, and out of all the companies, I HIGHLY doubt they would cover ya on the track.
i just posted this on another forum too and aparently someone w/ state farm said the were covered at a crash at pocono. he said as long as it isn't a timed event its covered.

Last edited by ClevisR6; 03-09-2005 at 05:11 PM.
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post #8 of 16 (permalink) Old 03-09-2005, 05:14 PM Thread Starter
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she faxed me back and she wrote "if you crash into a wall at the track, your motorcycle is insured."

hmmmm....

i faxed back asking for more details and situations, etc.

of course i wouldn't claim anything unless it was completely totaled...

i wonder if it would be covered if it "fell" off the truck while transporting?
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post #9 of 16 (permalink) Old 03-09-2005, 05:35 PM
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As posted aslong as it's not a "race" it will be covered. It has to be some sort of educational trackday ie NESBA


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post #10 of 16 (permalink) Old 03-09-2005, 06:08 PM
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I believe Doc from here got covered after a get off at a trackday, with Statefarm. You may want to find the thread about it, if it still exists. If it's not competition, I don't see why not. Or have the crash truck dump your bike on the street and call your agent.

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post #11 of 16 (permalink) Old 03-09-2005, 07:50 PM Thread Starter
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just read that thread. i never would have thought that it would be covered at the track!!!
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post #12 of 16 (permalink) Old 03-09-2005, 10:51 PM
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That is why SCCA Solo 2 events are considered 'time trial' 'car testing' events. No mention of the words 'race' or 'competitive' for insurance purposes.

Jeff
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post #13 of 16 (permalink) Old 03-09-2005, 10:54 PM
 
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Quote:
Originally Posted by ClevisR6
i never would have thought that it would be covered at the track!!!

Why not I ride harder on the twisties than I do on the track, and the street is inherently more dangerous Seems logical to me. Plus, there is no exclusions in your policy to such activity.

Last edited by Brian; 03-09-2005 at 10:57 PM.
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post #14 of 16 (permalink) Old 03-14-2005, 01:26 PM
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I just switched to Allstate and I told my wife when she called them to ask if my bike was covered for track days. They told her yes it was.

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post #15 of 16 (permalink) Old 03-14-2005, 01:43 PM
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there is different "track" ... track shool is covered , competitions are not. @ least with State Farm , ... my wife works for the company.
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post #16 of 16 (permalink) Old 03-14-2005, 07:17 PM
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I totaled my 03 R1 at Putnam in 2003 and State Farm wrote me a check for $100 more than I had paid for it. It was a sportbike track time event. I told them I was at a riders education course at the track and that was all they needed to hear. They were awesome to deal with. I wanted it to be totaled so I could get a 600cc race bike. The frame was a little tweaked and to computrack and straighten it put it over the edge and they had to total it.
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