As I understand it, many ( if not most..) insurance companies started to exclude DE events from coverage about two years ago . If a major insurer introduces a key / fundamental modification , all the others seem to follow soon after... particularly if it restricts your coverage
When you get your annual policy documents , look carefully at the declaration pages which summarize the the changes to terms and conditions of the expiring policy and then review the language in the provision itself ; most will now prohibit coverage for ANY use of a vehicle on a race track, or a course designed for performance driving, regardless if the event is a race or not, if it's timed or not, if it's competitive or not,
or if the purpose is to simply further driver education / driving skill improvement, with instructors on board or without.. Rat bastards ! - you'd think the risk is exponentially greater on a highway with people on their phones, smoking, putting on make up, reading, texting, writing notes, singing along to whatever crap their iPod is playing at the time <img src="/forum/images/smilies/968/rolleyes.gif" class="smilie" alt="" /> , while cutting across three lanes in front of you at 80mph, so they can take their exit to the office at the last second..
Oh well, I guess I'll just live with the risk of anything happening to the car, and keep my fingers crossed
( though I do take comfort in the fact that historically, accidents at these events are rare.. )
I think we get instructors only for 30 min., the rest of the day is on our own, but it is very controlled in the novice group and passing is allowed only with clearance by flaggers, never in or close to turns, etc.. so probably as safe as it gets.
Jim, ( or anyone else ) I take it the liability waiver is mutual where not only all drivers hold all others and the track & organizing entity harmless, but the drivers also are held harmless by the track and organizers for any damage to the track and/or injury to staff ? The way I drive I may run over the track janitor coming out of a turn <img src="/forum/images/smilies/968/tongue.gif" class="smilie" alt="" />
Sorry guys, not trying to ruin the fun of what I'm sure will be a great day, but being in the risk management line of work I see so many things, it's caused me to almost believe in Murphy's Law and perhaps I've become too cynical for my own good