insurance for my toys

so hagerty pretty much told me thyey wont inure me due to the nature of my car, and that i autocross it. offered me paddock and trailer insurance, but nothing else. pissed me off, really, as i had to go through a bunch only to get thyat response from them after they told me that the autocrossing wouldnt be a problem.

so, for those of you that actually autocross/drag race/ track your cars, what do you do for insurance? i know that as soon as i take it out on a hot track im not covered. i wouldnt think of making a claim if i hurt it on track. but i wont lie about my usages, either. just cant do that.

so now im shopping. i found grundy, who claims no real restrictions other than garaged, not used for work, and not covered on track. also, complete payoff in event of total loss.

what are my options, and what are your experiences? im really interested in teh after the accident stuff as well. because thats when it really matters. not what the premiums are

Insure it normally, and if it's that valuable, buy track insurance. It's available and relatively inexpensive.

I think most carry a $5k deductible, so insuring your $8k car, may or may not be worth it.

You told them you autocrossed it... why?

I also don't care for lieing... but at the same time, I don't feel the need to offer any more information than necessary.

I treat the insurance on the autocross car as a necessary evil.

I have liability and comp ( with SF ) and my agent is well aware of the how this car is used ( autocross and TT ) .. it's a street legal car, so they ins it .

AAA is great for classics, unlike haggerdy when they want to insure your #s matching 69 camaro SS with all the bells and whistles that you drive 5 times a year for a large sum of money, AAA will do just classic car insurance, doesn't have to be a show car or anything, just reach a certain age and only driven so many miles a year. I don't even need antique or historic plates, its old enough and it has liability making the rx7 and suburban about 200 dollars a year to insure.

Hagerty had no problem insuring my street plated track car. They know I take it to the track.

I have read that Heacock Classic Insurance is very reasonable and that they are also pretty liberal as to how you use your car. A lot of drag racers use Heacock. I do know that they do not insure on track incidents but do cover paddock areas. I have no idea about their reputation for paying claims. I'm sure an internet search would provide some info. You may never make a claim but it doesn't matter how cheap anyones insurance premium is if when you do have an incident they won't pay. I would just make sure you get some "ageed value" policy so in the event of a claim they don't try and pay you 25% or less of what the car is actually worth according to some computer program they use.

OP, I'm not sure I understand what it is you're trying to insure. Is this a regular street car that you use for autocross and the occasional track day, or something more race oriented?

When you begin real racing or track use (and autocross doesn't qualify, sorry) you have to assume a much larger amount of personal risk. Like the saying goes, if you can't afford to write it off, you shouldn't take it on the track. Basic liability to keep it available for occasional road use, however, is pretty easy. As in most things, it's better to ask for forgiveness than permission. This is licensed as a collector car and insured with basic liability only with a very popular insurer...but they've never seen the car, only the renewal checks for it.

its my duster. and my 64 el camino. i occassionally autocross or drag race (couple of times a year, and once every few years will do an HPDE), but primarily street cars. theyre not dailys. though do do drive them to work now and then just to enjoy them. and my mental health consumers love them.

hagerty told me that the car (duster) was a race car, and could noty be insured on the street. woman that i finally talked to was a happy shiny person. so therefore, im looking for insurance on heavily modified antique cars that have tons of custom fab and hot rodding done, tha i like to drive, but dont want to get hosed on the text time some shiny happy person does a swoop and stop on me. last time i drove the duster to concord, this happened three times from kinds in primered, beat civics.

does that help clarify?

additionally, any experience with claims with the companys y'all are talking about?

You're going to have a hard time finding insurance if they know you're doing any kind of "competitive" event with the car. It's not the collision they're worried about, in that case they could care less if you wad your car up. It's the liability. If you lose control and take out 3 corner workers, that's the liability they don't want. Most insurance policies have exclusions that specifically deny coverage for such things, but nonetheless there are lots of slimey plaintiff attorneys out there that will sue anway and the insurance company will spend a lot in legal fees.

You need insurance for a modified car, which is obtainable. I would just not mention the racing parts, and accept that while your car is on a racing surface you're not going to be covered.