insurance/warranty cover racing??? - Pontiac GTO Forum
User Tag List

 
LinkBack Thread Tools Display Modes
post #1 of 6 (permalink) Old 08-21-2005, 01:35 AM Thread Starter
 
Join Date: Dec 2004
Posts: 75
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
insurance/warranty cover racing???

Ok, here's the deal: I want to race my car at the strip, but before I do that I need to know if, first: will the warranty cover anything I break (i seriously doubt it) and secondly and most important: will it be covered by insurance if it is wrecked while racing?? I have Allstate, but I am not sure about their policy when it comes to racing. I am sure it won't be covered, but I am just curious, because there are a lot of people who race really expensive cars and what happens if they total it? Are they s*** out of luck?
PhantomGTO is offline  
Sponsored Links
Advertisement
 
post #2 of 6 (permalink) Old 08-21-2005, 11:02 AM
 
Join Date: Jun 2005
Posts: 204
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by PhantomGTO
Ok, here's the deal: I want to race my car at the strip, but before I do that I need to know if, first: will the warranty cover anything I break (i seriously doubt it) and secondly and most important: will it be covered by insurance if it is wrecked while racing?? I have Allstate, but I am not sure about their policy when it comes to racing. I am sure it won't be covered, but I am just curious, because there are a lot of people who race really expensive cars and what happens if they total it? Are they s*** out of luck?
Huh, read your policy. Most policies state that racing is a no no. As a matter of fact, a lot of health plans address it as hazardous activities. As for your GM warranty.... ever hear the term ABUSE.
silvergoat05 is offline  
post #3 of 6 (permalink) Old 08-21-2005, 11:31 AM
Super Moderator
 
GTO JUDGE's Avatar
 
Join Date: May 2005
Location: Lancaster, PA
Posts: 8,433
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 19 Post(s)
Garage
Quote:
Originally Posted by PhantomGTO
Ok, here's the deal: I want to race my car at the strip, but before I do that I need to know if, first: will the warranty cover anything I break (i seriously doubt it) and secondly and most important: will it be covered by insurance if it is wrecked while racing?? I have Allstate, but I am not sure about their policy when it comes to racing. I am sure it won't be covered, but I am just curious, because there are a lot of people who race really expensive cars and what happens if they total it? Are they s*** out of luck?
Your warranty will not cover racing. I already checked this out. The guy that purchased the GTO I had ordered, but canceled because it took too long getting here, told the dealer he planned on taking it to the strip. Even BEFORE the wear in recommendations was up. He was warned if he did, the warranty would not cover it. The guy even told the dealer he was going to do it.... Now if he was a mechanical warranty claim, he's gonna have a hard time getting anything done covered. That was an out for the dealer. Even if it isn't race related, the dealer will question it. He should have kept his yap shut.

Guess it would be kind of hard to explain why ya threw a rod, or blown pistons, etc. etc. doing 65 on a highway.

I have Erie Insurance and in my policy it says racing will not be covered in an event of a claim pertaining to racing.

President: GTO Association of America
www.gtoaa.org


GTO JUDGE is offline  
 
post #4 of 6 (permalink) Old 08-22-2005, 11:59 AM
 
Join Date: Jun 2005
Posts: 565
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
For insurance companies, racing is pretty much never covered in any way.

For warranty coverage... there really aren't many vehichles in the world whose warranty will cover them through racing. Even the ones that do, though, aren't covered for very much. The new Z06's warranty says it's covered for "occasional track use". By that what they really mean is it's only covered if you're doing 1/4 runs, and you're not racing against anyone while doing it.

To be "safe" about it, just consider it as if ANY damage done to your car at the track will NEVER be covered in any way. It makes things much more simple that way.
RiceEater is offline  
post #5 of 6 (permalink) Old 08-22-2005, 09:56 PM
 
Join Date: May 2005
Posts: 937
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
I can understand the insurance bit, maybe you can get a policy rider through your agent if they offer such a thing. But what I dont understand is the warranty. If you are on the track and you break an axle or blow a gear, why wouldnt you have it towed into the dealer? If you tell them you broke it at the drags, well.............. you deserve to pay. Me?, all mechanical failures happen "when I downshifted and depressed the accelerator pedal all the way down to overtake the vehicle I was passing, as per the operating instructions". "I have never even seen a drag place, or race strip or whatever it was you called it...sir." "Dont even know where one is".
JMVorbeck is offline  
post #6 of 6 (permalink) Old 08-22-2005, 10:10 PM
 
Join Date: Jun 2005
Posts: 565
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
It would be awesome if it worked that way... but they have the discretion to decide whether or not you've actually been racing (it doesn't necessarily have to be at a DRAG strip). Unfortunately it can be seemingly easy to find out so also... like they can check those deep recesses in the wheel well for burned rubber and just little things that show abusive use. This is also all a matter of how stubborn your dealer is too. If they're nice they'll do it almost no-matter what, because GM pays them to do it anyway. If you have a stiff dealer though, they may not be so forgiving
RiceEater is offline  
Sponsored Links
Advertisement
 
Reply

  Pontiac GTO Forum > Off Topic Discussions > Racing and Kill Forum

Quick Reply
Message:
Options

Register Now



In order to be able to post messages on the Pontiac GTO Forum forums, you must first register.
Please enter your desired user name, your email address and other required details in the form below.

User Name:
Password
Please enter a password for your user account. Note that passwords are case-sensitive.

Password:


Confirm Password:
Email Address
Please enter a valid email address for yourself.

Email Address:
OR

Log-in











Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Show Printable Version Show Printable Version
Email this Page Email this Page
Display Modes
Linear Mode Linear Mode



Posting Rules  
You may post new threads
You may post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On

 
For the best viewing experience please update your browser to Google Chrome