<VV> Collector Car insurance - Rally & Economy Run

[moonpie8n at comcast.net]

   I  just  thought  I  would  pass  on  the "Little  BIT"  I  know  about  insurance.  Boat  Racing  is  listed  as  the  most  dangerous  motorsport [even  though  it  isn't {Airplane  racing  is}]. WE  were  with  Lloyd's  of  London  for  many,many  years [A.P.B.A.] . For  the  last  20  or  so  years  we  have  been  with  K&K  insurance [yes, the NASCAR  guys]. They  are  a  little  cheaper  and  will  insure  anybody  or  anything [almost] for  a  price. Boat  Races , County  Fairs w/  those  crazy  amusement  rides ,Air  Shows, all  that  stuff  that  has  potential  for  a  lot  of  people  to  get  hurt. 



   Bob 

Moonpie  Racing 
----- Original Message ----- 
From: "Dale Dewald" <dkdewald at pasty.net> 
To: virtualvairs at corvair.org 
Sent: Saturday, February 12, 2011 9:57:32 PM 
Subject: Re: <VV> Collector Car insurance - Rally & Economy Run 

At 21:45 2/09/2011 -0500, I wrote: 

>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. 

Another list member pointed out that my comment on CORSA's insurance could 
be improperly construed.  CORSA's insurance is a general liability policy 
which only covers the organization itself, the local chapters, and 
participants, volunteers and workers at a CORSA sanctioned event against 
liability to other parties. It is not auto insurance in any way shape or 
form.  Any individual who participates in some type of racing (as opposed 
to a driving event on public roads) must understand that he/she will be 
personally responsible for anything "bad" that happens--specifically with 
regard to any vehicle damage.  The PLPD portion of one's auto policy might, 
however, still apply for certain "timed events" such as an autocross where 
there is no wheel-to-wheel competition.  It is up to the individual to 
check this out with their insurance company. 

My intent was to reinforce the idea that all the participants in CORSA 
events, who therefore expose the organization to risk, should contribute to 
the necessary cost of the insurance CORSA needs to protect itself and 
others, either by paying dues as a member or some sort of event 
fee.  Unfortunately I did this very poorly and in the wrong context. 

Dale Dewald 
Hancock, MI 

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