Car insurance, pictures and events
Moderators: hklvette, glenthompson
- Scott
- Veteran
- Posts: 1345
- Joined: Fri Oct 15, 2004 8:50 pm
- How many miles is the Indy 500 times 2?: 314159
- Location: Waynesboro, VA
Car insurance, pictures and events
This is a PSA for anyone at our events that has their car registered and insured for the street. I am currently having difficulty with State Farm insuring my retired red Miata (which spends most of it's time garaged under a cover) as an antique because it was used for "racing". It seems insurance companies are starting to go through social media as well as this forum and our posted pictures here of events to look at license plate numbers to see exactly what we are doing with our cars. Also it seems that one of our members (Eddie) is an adjuster for State Farm who has been involved with denying the coverage of my car (which is interesting since I am sure he races with us in his insured car.....), so beware we are being watched and the information shared......
Basically by taking pictures we are all putting ourselves at risk of being dropped by our insurance compaines.
Basically by taking pictures we are all putting ourselves at risk of being dropped by our insurance compaines.
Last edited by Scott on Wed Mar 02, 2016 9:05 am, edited 1 time in total.
-
- Veteran
- Posts: 1174
- Joined: Mon Jul 26, 2010 9:21 am
- How many miles is the Indy 500 times 2?: 1000
- Competition Car: BumminRides
- Location: Christiansburg, VA
Re: Car insurance, pictures and events
I've had this discussion with both a state farm agent and a farm bureau agent. In most insurance agreements, there is a clause which states that any damage caused or received during any type of racing event is not covered under the policy. I dont know why they wouldn't cover a vehicle otherwise.
-Henry Lehmann
BRR Solo Chair, Treasurer, and Equipment Steward
"If you want to get it done, you have to do it yourself."
BRR Solo Chair, Treasurer, and Equipment Steward
"If you want to get it done, you have to do it yourself."
- Scott
- Veteran
- Posts: 1345
- Joined: Fri Oct 15, 2004 8:50 pm
- How many miles is the Indy 500 times 2?: 314159
- Location: Waynesboro, VA
Re: Car insurance, pictures and events
I'm just passing on what I was told. It wasn't the agent but the adjuster. My insurance was dropped because the adjuster "had personally seen my car used for racing". Talk about a double standard, I would love to know who this person is and talk to them personally.
The best part is one of our members who races with us, is the one canceling my insurance. Keep in mind I wasn't making a claim (or ever have for that matter) I had just updated my registration to antique since that is how the car is now registered.
The best part is one of our members who races with us, is the one canceling my insurance. Keep in mind I wasn't making a claim (or ever have for that matter) I had just updated my registration to antique since that is how the car is now registered.
- EcoRacerD17
- Pylons are afraid of me!
- Posts: 211
- Joined: Sat Mar 05, 2011 9:15 pm
- How many miles is the Indy 500 times 2?: 1000
- Competition Car: Mazda
- Location: Lynchburg, VA
Re: Car insurance, pictures and events
Ironically my family just got dropped by State Farm (after being customers for well over 10 years!)... not specifically citing racing as I've only had one moving violation when I wrecked my civic, but something to ponder!
On another note, whoever that was, maybe they were bitter after always watching your taillights!
On another note, whoever that was, maybe they were bitter after always watching your taillights!
Matthew Wilkinson
STF: 2004 Honda Civic Ex(treme) [totalled]
HS: 2005 Honda Civic EX SE(quel)
STF: 2004 Toyota Matrix XRS [gone]
ES: 1999 Mazda Miata Sport
??: 1991 Miata XO project
Liberty Motorsports
STF: 2004 Honda Civic Ex(treme) [totalled]
HS: 2005 Honda Civic EX SE(quel)
STF: 2004 Toyota Matrix XRS [gone]
ES: 1999 Mazda Miata Sport
??: 1991 Miata XO project
Liberty Motorsports
- hemitud
- Veteran
- Posts: 1029
- Joined: Thu Apr 15, 2004 8:45 am
- How many miles is the Indy 500 times 2?: 1000
- Competition Car: Dodge
- Location: Pulaski VA
Re: Car insurance, pictures and events
Great information.
A little information about the pictures....since we have public events, no one in protected from photos.
From a fellow member reporting and cancelling insurance on fellow members...C'MON MAN!
Simply remove your tags from your vehicle during the event....just dont drive to get food!
A little information about the pictures....since we have public events, no one in protected from photos.
From a fellow member reporting and cancelling insurance on fellow members...C'MON MAN!
Simply remove your tags from your vehicle during the event....just dont drive to get food!
Tim
11 XP - maybe
1993 V8 - S10
11 XP - maybe
1993 V8 - S10
-
- Seasoned Autoxer
- Posts: 528
- Joined: Fri Aug 13, 2010 4:02 pm
- How many miles is the Indy 500 times 2?: 1000
- Competition Car: fiero
Re: Car insurance, pictures and events
WOW............... a member that is racing, going to deny insurance coverage... that's kind of ironic. I will be taping my tags over with blue tape for all of my insured street cars. I work hard not to race on the street and keep a good driving record and wouldn't dream of turning in autocross damage to an insurance company..........
88 Fiero Formula T-Tops (1 of 1252) BSP
87 Fiero GT swapped with a turbo 3.5 SSM
90 Miata Supercharged SSM
01 Mustang GT ESP
96 Plymoth Neon (prospective chump car)
87 Fiero GT swapped with a turbo 3.5 SSM
90 Miata Supercharged SSM
01 Mustang GT ESP
96 Plymoth Neon (prospective chump car)
-
- Pylons are afraid of me!
- Posts: 432
- Joined: Fri May 22, 2009 9:49 am
Re: Car insurance, pictures and events
I think these might work better than tape:
http://www.homedepot.com/p/E-O-Magnetic ... /100345609
http://www.lowes.com/pd_73204-34146-AMA ... ent+covers
http://www.homedepot.com/p/E-O-Magnetic ... /100345609
http://www.lowes.com/pd_73204-34146-AMA ... ent+covers
Alan G.
'91 Mariner Blue Miata (314 STS)
'91 Mariner Blue Miata (314 STS)
- DSPDA3
- Admin
- Posts: 1526
- Joined: Wed Apr 07, 2004 11:36 am
- How many miles is the Indy 500 times 2?: 1000
- Competition Car: MINI
- Location: Christiansburg, VA
Re: Car insurance, pictures and events
Great idea Alan! Time to go shopping!
BRR-SCCA 89 DS
2005 MINI Cooper S
2005 MINI Cooper S
- Scott
- Veteran
- Posts: 1345
- Joined: Fri Oct 15, 2004 8:50 pm
- How many miles is the Indy 500 times 2?: 314159
- Location: Waynesboro, VA
Re: Car insurance, pictures and events
That is the worst part..... I really wish my agent would tell me his name. I've had State Farm for 18 years and I've never made a claim (with the exception of 1 windshield on an Accord years ago....) and no moving violations, plus I have multiple cars, 2 trailers and home owners with them. My agent is shocked that this is even an issue (he used to autcross himself in the 70's....). The best part is the adjuster pulled a photo claiming it was from 10/15 that he used to drop the car, but the picture was clearly in a PCA album taken 6/14 and clearly shows the car with license plates that expire 1/15........hemitud wrote:Great information.
From a fellow member reporting and cancelling insurance on fellow members...C'MON MAN!
- Scott
- Veteran
- Posts: 1345
- Joined: Fri Oct 15, 2004 8:50 pm
- How many miles is the Indy 500 times 2?: 314159
- Location: Waynesboro, VA
Re: Car insurance, pictures and events
If I was dumb enough to file a claim for something that happened at an autocross, that is a completely other story and dropping me for even trying would be reasonable.
- glenthompson
- Veteran
- Posts: 1571
- Joined: Wed Apr 07, 2004 10:22 pm
- How many miles is the Indy 500 times 2?: 1000
- Competition Car: Caldwell
- Location: Roanoke, Va
- Contact:
Re: Car insurance, pictures and events
Might be hard to stick on aluminum license plates. A frame of ferrous metal would help.gnalaj wrote:I think these might work better than tape:
http://www.homedepot.com/p/E-O-Magnetic ... /100345609
http://www.lowes.com/pd_73204-34146-AMA ... ent+covers
Glen Thompson, Officer Emeritus
VW Jetta TDI
VW Jetta TDI
-
- Pylons are afraid of me!
- Posts: 432
- Joined: Fri May 22, 2009 9:49 am
- n33d4sp33d13
- Seasoned Autoxer
- Posts: 650
- Joined: Thu Apr 15, 2010 9:07 pm
- Location: Roanoke, VA
Re: Car insurance, pictures and events
Just buy a license plate cover and put stickers on it and bolt it on when you go to an event. I can order a whole bunch at work if anyone is interested.
Steffen Clark
#13
White/Orange 1991 Mazda Miata ITA/ STL
Dark grey 2014 Subaru WRX STI D Street
White 1984 Plymouth Colt Turbo SMF
1991 Mazda "hacked" Miata A Mod
Red 1984 Plymouth Colt Turbo
Red 2019 Toyota Tundra
#13
White/Orange 1991 Mazda Miata ITA/ STL
Dark grey 2014 Subaru WRX STI D Street
White 1984 Plymouth Colt Turbo SMF
1991 Mazda "hacked" Miata A Mod
Red 1984 Plymouth Colt Turbo
Red 2019 Toyota Tundra
-
- Pylons are afraid of me!
- Posts: 403
- Joined: Mon Apr 19, 2004 7:58 am
- How many miles is the Indy 500 times 2?: 1000
- Competition Car: Beamer
- Location: Christiansburg, VA
- Contact:
Re: Car insurance, pictures and events
I dropped my coverage with State Farm a few years ago, because they kept raising my rates despite no accidents. Your only recourse is to look thru your policy, and then decide if you want to take it to court, or take your business elsewhere. Court is probably the only way you'd get the individuals name. From everything I understood you're not covered for incidents arising from motorsporting events but that shouldn't cancel your policy.
- Chris
98 M3/4/5 Child Transport and Course runner
98 M3/4/5 Child Transport and Course runner
Who is online
Users browsing this forum: No registered users and 1 guest