Hello guys, I am new to this forum. I would like to start going on the tracks. I am planning to buy a suit this week and hit a track asap. I have some questions. 1) I have a Alpinestars SMX-2 boots, is it gonna be ok for track? 2) I have a brand new 2011 zx6r that I just purchased it last year and I love it. My concern is that if I drop it on a track the insurance who I paid more than 1000$ would not cover it. Please let me know what would u guys suggest. Thanks
Welcome to STT and "The Addiction" - It is not a healthy one! Hope you are single or have a wife who rides!
1) Welcome to STT. You won't find a better group of folks to ride with. 2) those boots should be ok for your first track day assuming they cover the ankle well enough. 3) regardless of what anyone says you need to check with your insurance agent to verify they cover a crash at the track. Some do, some don't.
Welcome to the addiction. Your boots should be fine by regulations - (Riding boots that fully cover the ankle) but I would invest in something that is more appropriate for the track. Your bike will not be covered by any insurance if you crash it. The best way to do it is to get a track bike.
Wow, I had no idea. I had problems even with my health insurance (bcbs) since it happened on the track ...
^^^^^^ +1 When and if you check with them, make sure they understand that it is NOT a race OR a timed event ....it is basically a learning experience/training event AND there are NO prizes paid....cash, trophies, etc. As Seca stated, some will cover your bike, some will not.
FWIW, my State Farm agent told me that any activity on a race track is not covered. So I bought a track bike. Welcome! Matt
Its not racing or a race. You describe it as a novice/intermediate or advanced riding school with instructors and control riders on private property. If you took the MSF advanced school and dropped your bike in a parking lot its the same thing, and its covered. Its not what you are doing its how you explain it. If you just say I'm going to ride the racetrack they are all going to say no!
^^^ I hear you...but I said nearly that exact same thing to USAA, got their blessing with the record of the person who okayed it... My claim was denied and the reason was " improving lap times on an enclosed course " Good luck to all. Your experience may be different..... If my bike had "fallen off the trailer" on the way home, it would be covered, lesson learned. Oh, forgot, WELCOME!
I would never trust what an agent, adjustor or customer service representative told me regarding coverage in reference to track use. Most simply have no experience on the subject. Insurance policies really aren't that mysterious...on this particular question, you should reviews the "exclusions" section of the policy. If your claim has been denied, I would make the adjustor show me the specific exclusion that he/she has used to deny coverage. As an Independent Insurance Agent with 34 years of experience, I see claims wrongly denied and coverage misinterpreted every day. Having said all that, I would not purchase collision coverage with the intent of making a claim for a track related claim. I would not want that kind of claim on my record because it is likely to come back and haunt you later when trying to renew or purchase insurance you may need for a street bike or even an auto policy. Most companies will require an accident report to file a claim and when you do that, it will show up on your driving record thereby affecting your auto, boat, MC policy.
I never had a claim. But before I bought a track bike I checked with State Farm and they initially said it would not be covered. So then I went to their office with info about track days and riding schools. They ended up telling me that as long as it was not a race I would be covered.
One more thing: Covering your bike is one thing, but health insurance covering YOU in the event of an accident is quite another. Most health insurance companies will not cover you if the know the injury was inflicted while riding a motorcycle. Bottom line is do your homework. OP - Welcome! -Tom