<VV> Collector Car insurance - Rally & Economy Run

[Dale Dewald]

At 09:05 2/09/2011 -0500, Gary Swiatowy wrote:
>Message: 5
>Date: Wed, 9 Feb 2011 04:36:24 -0500
>From: "Gary Swiatowy" <gswiatowy at rochester.rr.com>
>Subject:
>To: <virtualvairs at corvair.org>
>Message-ID: <FFD7AE04ABAF43768D6AD0BC9F493712 at Enforcer>
>Content-Type: text/plain;       charset="us-ascii"
>
>I specifically asked American collectors insurance about going to out of
>state shows where the vehicle would be my only transportation. And yes, the
>entire convention would be considered transportation and attending a show.
>Of course, there would be no coverage for damage incurred during a
>competitive event like an autocross.

The autocross is a closed course (not a public road) event and most 
insurance will not cover either damage to the car or liability for 
participating in the event.  This is why CORSA's insurance coverage of all 
such sanctioned events is so important, and why all those who participate 
should be CORSA members or at least pay a surcharge on the entry fee to 
cover the insurance cost extended to them.

>But I wonder if coverage during a rally or economy run would also be
>precluded.

These events are conducted on public roads following all driving laws and 
regulations.  As such, they are no different than a recreational 
drive.  The act of driving itself, in some particular way, becomes the 
recreation.  Your regular or collectors auto insurance coverage applies.

Stage rallies (aka Pro Rally), such as those sanctioned by Rally America, 
are structured as a TSD rally, but have closed course portions of the route 
(stages) where the object is to drive as fast as possible.  Regular 
liability insurance is required for vehicles participating in these events, 
but it only covers the open public road portions of the rally route.  The 
sanctioning body provides liability coverage for the closed sections of the 
route.  I doubt that any of the participants in these events carry 
insurance for vehicle damage though...

Dale Dewald
CORSA Rally Chair
Hancock, MI