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Old 05-26-2004, 06:29 PM   #1
Skibum4444
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Default Insurance and AutoX

Im getting dropped from my insurance becuase I autocross. My times are impressing them but they still want to drop me. Is this legal??
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Old 05-26-2004, 06:53 PM   #2
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how do they know you AutoX?

//marcus
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Old 05-26-2004, 07:15 PM   #3
Skibum4444
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internet i guess
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Old 05-26-2004, 07:22 PM   #4
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Quote:
Originally posted by Skibum4444
Im getting dropped from my insurance becuase I autocross. My times are impressing them but they still want to drop me. Is this legal??
What company?

If it's SCCA auto-x, I would call the SCCA Corporate HQ and let them know... they may be very interested to hear they are dropping you BEACUSE of auto-x.

Do you have it in writing that that is the sole reason? If you don't I suggest you do.
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Old 05-26-2004, 08:24 PM   #5
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Skibum4444 - get whatever you can in writing as KC said.

I think as a group of automotive enthusiasts we need to keep on top of this issue. There have been a number of threads where people have discussed USAA in particular. It is particularly irritating that responsible people participating in sanctioned events are being dropped from their coverages.
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Old 05-26-2004, 08:53 PM   #6
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Quote:
Originally posted by Skibum4444
Im getting dropped from my insurance becuase I autocross. My times are impressing them but they still want to drop me. Is this legal??
Of course they can drop you.
Timed event = no insurance
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Old 05-26-2004, 09:09 PM   #7
del105
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They can't drop you for doing auto-x. That doesn't mean they are going to cover you if you wreck at an event though.
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Old 05-26-2004, 10:02 PM   #8
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Ha, actually it was my insurance agent who strongly encouraged me to autocross!!! He runs 2 cars at the events, along with 2 others from his office...
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Old 05-27-2004, 01:36 AM   #9
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i was of the impression that i could autoX all i wanted as long as i didnt try to make a claim off any accident. I found out the information they have was from a different autox club and not through SCCA. This sucks cause im in the middle of a season with an event this sunday. Im not going to quit for them.
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Old 05-27-2004, 01:43 AM   #10
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Who's your insurance with? I wouldn't sweat it you can probably find it cheaper somewhere else.
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Old 05-27-2004, 01:47 AM   #11
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That's stupid. They can't drop you because you autocross. That's like saying; hey we can't cover you...you actually drive your car. How lame is that. I can see them not covering any damage done via autocrossing but not dropping you entirely. Are you telling us everything? Do you have accidents often?

Dave
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Old 05-27-2004, 08:06 AM   #12
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The kicker is that autocrossing has made me a safer driver. I now have better control over the car and am less likely to be in an accident.

-jeff
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Old 05-27-2004, 10:05 AM   #13
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Make it a public issue. Tell us what insurance company you have, region too, post here, and tell SCCA HQ about it. I'll be more than happy to spread it around the AutoX forums.

If they got your "racing" information from the internet, then we can use it to get bad press on them.

Like others said...make sure its in writing and take names! Must be verified.

Keep us informed
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Old 05-27-2004, 10:07 AM   #14
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Quote:
Originally posted by Davis K Powers
Make it a public issue. Tell us what insurance company you have, region too, post here, and tell SCCA HQ about it. I'll be more than happy to spread it around the AutoX forums.

If they got your "racing" information from the internet, then we can use it to get bad press on them.

Like others said...make sure its in writing and take names! Must be verified.

Keep us informed
Behold the power of the internet. Once you get it in writing that you were dropped BECUASE you auto-x, let us know the name of the company.

I will put this on every forum I know in their motorsports section.

But get it in writing 1st or it's just heresay.

Power in numbers can do wonderful things.

--KC
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Old 05-27-2004, 10:37 AM   #15
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This stuff really worries me.

Someone saw a guy at one of our recent events walking around the lot with a clipboard, looking at license plates. Conjecture is that it was an SOA rep looking to flag us in case of warranty claims, but it could have been an insurance guy.

I have suggested that results only be posted with car numbers not names. I would like my name removed from all online results, but no else seems to agree. I'm sur einsuranec comanies will start using Google, if they haven't already. Then we'll all be in deep doodoo.

My guess is that you will not get anything about autoxing in writing from them. My second guess is that they are not actually dropping people, they are just not renewing, which IMHO is much easier for them.
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Old 05-27-2004, 10:56 AM   #16
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Quote:
Originally posted by leecea
My guess is that you will not get anything about autoxing in writing from them. My second guess is that they are not actually dropping people, they are just not renewing, which IMHO is much easier for them.
Not renewing is quite different from dropping....

--kC
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Old 05-27-2004, 11:10 AM   #17
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Quote:
Originally posted by Skibum4444
Im getting dropped from my insurance becuase I autocross.
And then there's the rest of the story:
Suspension for failure to appear:
http://forums.nasioc.com/forums/show...hreadid=414375

Speeding 100 in a 60:
http://forums.nasioc.com/forums/show...hreadid=384497

Let go for 83 in a 40:
http://forums.nasioc.com/forums/show...hreadid=372695

I'm thinking that auto-x has nothing to do with it and if anything, it's non-renewal for the above. If you can get it in writing that it's auto-x that is causing you to be dropped, you have a case... but you also have a record and are a risk to the ins company becuase of the two incidents on your record from last year....Ins Companies don't take suspensons lightly.
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Old 05-27-2004, 11:43 AM   #18
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KC - thanks for taking the time to research that.

It makes me feel better to know that these reports of being dropped or not renewed often involve compounding issues.

I would still prefer some control over publication of my name on autox results lists, but maybe I'm being paranoid.
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Old 05-27-2004, 11:44 AM   #19
paultg
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Quote:
Originally posted by leecea
This stuff really worries me.

I have suggested that results only be posted with car numbers not names. I would like my name removed from all online results, but no else seems to agree. I'm sur einsuranec comanies will start using Google, if they haven't already. Then we'll all be in deep doodoo.
I agree with that. I wish more clubs would do it. I'm going to start filling out the registration form with only my last initial too.

Paul G.
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Old 05-27-2004, 11:49 AM   #20
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just ask them to not list your car in the results. then if your company ever contacts you you could say you were driving a different car. if you are ok w/not telling the truth, of course. hell you could even say you were driving a different wrx even if they listed name and car in results.

i use progressive. they pretty much leave me alone. but my record has been clean for about 4-5 years now. and even then it was only a 75 in a 60 and a atfault accident cuz i slid out of a driveway one winter in the first snowfall.
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Old 05-27-2004, 11:57 AM   #21
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Quote:
Originally posted by greg donovan
just ask them to not list your car in the results. then if your company ever contacts you you could say you were driving a different car. if you are ok w/not telling the truth, of course. hell you could even say you were driving a different wrx even if they listed name and car in results.
That's a good way of looking at it.
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Old 05-27-2004, 02:19 PM   #22
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I have a bad driving record.. This is why i am concerned about losing my insurance because of autoX. I have had meetings with my insurance company about my record. They are fine with driving record, I have had tickets and 2 accidents(not in the WRX). They are dropping me and my family because of running in the Chuckanut sports car club autox season. My insurance company (the local office) dosnt even know what autoxing is. They think my car is a race car all decked out like a wrc car.
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Old 05-27-2004, 02:21 PM   #23
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Get that in writing that they are dropping you BECAUSE of Auto-x.

What is the insurance company for the umpteenth time?

--kC
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Old 05-27-2004, 02:23 PM   #24
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"I was codriving my friend's car, prove otherwise"

I mean, they're all blue.

john
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Old 05-27-2004, 02:28 PM   #25
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SkiBumm...needs the facts here. Please verify (exactly as KC said) that they are dropping you beacuse of that. Writing only..not a hunch or an of-remark bout AutoX-ing.

From the posts you made it seems that they are Definately dropping beacuse of AutoX'ing. (sry I'f I'm reading too deep here)

Let us know what you fiund out.

This will be the first time I've ever heard of this.
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