Crashing a McLaren at the track

[madoka]

People have posted pics of this totaled McLaren at Fontana Speedway from this weekend:

That got me to wondering. . . if a person crashes on while racing on the track, does insurance typically cover it?

 

[Railgun]

Nope.

...typically.

 

[manimal]

nope

if you search there is a great topic we had a while back when an insurance agent who posts here occasionally that went over it. Dude had a nice charger too.

One of the reasons my fun cars are relatively inexpensive is that a mishap wont cause additional stress from cost.

always makes me wince when I see a crash on the ring videos because you that guy or gal is gonna pay for it unless they work for bmw mb etc..

 

[Ferzerp]

As with most things, you can find an insurance company to cover it (really, for the right price, insurance will cover most anything). No, it wouldn't be your normal automotive plan, and it may cost far too much, but it is possible to get track day insurance.

 

[The Boston Dangler]

that car is far from a total loss, and can easily be brought back to zero miles condition at the factory.

 

[madoka]

that car is far from a total loss, and can easily be brought back to zero miles condition at the factory.

Oh really?

 

[AMCRambler]

I dunno Dangler. That left rear axle and suspension look really effed. Not to mention these are rear engine cars so what did that impact do to the engine cradle and transmission. I think there's a lot of damage behind the body panels you're not seeing there. Granted these are collectible cars worth millions so I really have no idea what it would take to total one to be honest. In terms of damage there I think you're looking in the 100's of thousands of dollars though. That is an expensive accident for us mere mortals.

 

[AMCRambler]

Oh really?

Oh well shit, that'll buff right out, hahahaha.

Who the frick posts the pic of the good side of the car? Lmao.

 

[nerp]

Fixing that equates to rebuilding from scratch, so that car is good for some salvage parts and interior crap.

 

[MagickMan]

I have a Spider on order and that makes me cringe. At least the monocell is intact, if it had been a 458 they probably would have had to hose what was left of the driver off the track.

Edit:

I'm pretty sure most of the crap you're seeing in the second photo is body and rear chassis debris piled up next to the car.

 

[SpatiallyAware]

re: insurance

Most companies specify between "timed/competition" events and "safety" events.


I have state farm, and they do cover non-timed evens with my policy.

Generally a plain jane trackday is not timed nor is competitive, thus it's covered as a safety class.

 

[SpatiallyAware]

Is subaru still sending people to larger trackdays to cancel warranty on VIN numbers?

 

[Ferzerp]

re: insurance

Most companies specify between "timed/competition" events and "safety" events.


I have state farm, and they do cover non-timed evens with my policy.

Generally a plain jane trackday is not timed nor is competitive, thus it's covered as a safety class.

The wording in my policy (as an exclusion) is:

loss to your covered auto while it is being operated in any prearranged or organized racing or speed contest or in practice or preparation for any such contest

 

[Zap]

Is subaru still sending people to larger trackdays to cancel warranty on VIN numbers?

Wow, they did that? Srsly? Heck, they promote attending such events in their owner emails.

 

[sygyzy]

Oh well shit, that'll buff right out, hahahaha.

Who the frick posts the pic of the good side of the car? Lmao.

Someone who planned this exact chain of events.

 

[SpatiallyAware]

The wording in my policy (as an exclusion) is:

loss to your covered auto while it is being operated in any prearranged or organized racing or speed contest or in practice or preparation for any such contest

A trackday isn't a racing or speed contest, nor is it a practice or track review session for a race.

I'm fairly sure my motorcycle policies had that same revision, and my agent was 100% sure (complete with email saying such after checking with state farm hq) that track days are considered driver training events as long as they are not timed sessions and you aren't specifically competing with other drivers.. IE it is not ok for the track to use lap timers or specify positions.

 

[Viper GTS]

A trackday isn't a racing or speed contest, nor is it a practice or track review session for a race.

I'm fairly sure my motorcycle policies had that same revision, and my agent was 100% sure (complete with email saying such after checking with state farm hq) that track days are considered driver training events as long as they are not timed sessions and you aren't specifically competing with other drivers.. IE it is not ok for the track to use lap timers or specify positions.

The event I did the organizing club went so far as taping over the lap timers in cars that were equipped with them. They were very, VERY anal about it not being a timed event.

I took no chances and paid for event specific coverage, if someone driving a $250k car wasn't smart enough to do that then I hope they are rich enough that $250k doesn't materially affect them.

Viper GTS

 

[JulesMaximus]

<--Attempting to care... care not given.

 

[SpatiallyAware]

Wow, they did that? Srsly? Heck, they promote attending such events in their owner emails.

Yes. I remember reading about it ~10 years ago.. Some kid went to a trackday and someone was walking around writing down VIN numbers off of all the subarus. Anyone there had their warranty voided.

I don't know if backlash caused it to stop happening or any other details, but I do recall people actually sticking a piece of paper on their dash to block the vin.

 

[JeffreyLebowski]

<--Attempting to care... care not given.

Pretty much, I can't feel sorry for someone that wrecks a super expensive car. They knew the risk going in.

 

[Doppel]

That car is fugged.

 

[The Boston Dangler]

Oh really?

that looks pretty bad, but it depends on the condition of the chassis. mclaren has reconditioned f1's that looked that bad from afar, but maybe it's cheaper to buy a new mp4-12c.

 

[Elganja]

<--Attempting to care... care not given.

Pretty much, I can't feel sorry for someone that wrecks a super expensive car. They knew the risk going in.

i never understood this... would you care more if it were someone on a motorcycle? someone is a civic?

do you give no fucks if someone, who races on a track, crashes (where it is safer then racing on the streets)?

the expense of the car shouldn't matter ... you can still show some compassion for your fellow car nut.

 

[SpatiallyAware]

I have some respect for someone who actually takes their mclaren to the track.


I guess jeffrey would feel better about it being wrecked into a starbucks?

 

[Harrod]

That sucks, kindof glad to see someone actually racing the car though. Better than it sitting in someones garage until the end of time with no miles on it.