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post #1 of 29 (permalink) Old 01-16-2011, 03:31 PM Thread Starter
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Progressive cover track wreck?

So.... I lowsided at the track today, then she decided to do some dancing in the grass (cartwheeling) and i'm pretty sure shes totaled. I was wondering if Progressive would cover the bike? I was told by fellow track goers that since the track day was not a race/ competition/ timed event that Progressive would still cover it? Any info or experience with this would be greatly appreciated. Thank You.
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post #2 of 29 (permalink) Old 01-16-2011, 05:16 PM
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Call them.

Don't tell them your information, just act as if you're getting quotes and you're curios if the identical policy that you hold will be covered.

I was under the impression that if it is a track day it is covered, race/competition is not.

Good luck.
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post #3 of 29 (permalink) Old 01-16-2011, 05:26 PM
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I have progessive and almost everyone I ride wit does too.
I almost 100% positive if you were just riding on a track
for track days that you are cover.

If you were racing or in a competition track race then you
are not covered.

Like Sour Diesel said call them and ask, but call from a different number.


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post #4 of 29 (permalink) Old 01-16-2011, 05:52 PM
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Unless they changed their policies in the 3 years since I worked for them...... no.

Here is a great idea, log online and read your policy declarations. I am 99% sure it says track events of any kind are NOT covered. There may be a stipulation of timed vs untimed though.

Either way, I wouldn't fild a claim b/c it will hike your insurance for the next 3 years and cost you more in the long run.



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post #5 of 29 (permalink) Old 01-16-2011, 06:55 PM
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I would be amazed if they did.

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post #6 of 29 (permalink) Old 01-16-2011, 07:07 PM
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just dont tell em it was at the track you crashed
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post #7 of 29 (permalink) Old 01-16-2011, 07:10 PM
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Quote:
Originally Posted by spacecadet View Post
just dont tell em it was at the track you crashed

Thats what a lot of people do, if your not afraid of the fraud charge if you get caught

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post #8 of 29 (permalink) Old 01-16-2011, 07:12 PM
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My buddy went down at the track and messed his bike up pretty good. He told the insurance company that he was run off the road by a cager and that's how he went down. They paid him for that. I don't know what insurance company he has.
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post #9 of 29 (permalink) Old 01-16-2011, 09:00 PM Thread Starter
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I called Progressive as a new customer and they told me they offer no coverage for any type of wreck at the track. I don't remember her exact words but more or less....no. I'm not too big on the possibility of fraud charges so I might end up just bolting her back together myself, not to mention shes in track plastics. I knew I should have just drifted through the rest of the corner instead of wrecking........lol

Last edited by Standup; 01-16-2011 at 09:32 PM.
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post #10 of 29 (permalink) Old 01-16-2011, 09:15 PM
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hmmm odd... Ill have to look into that.
I know there is a few companies that do
cover track day as long as there no timed races...

Ill try to find the threads.


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post #11 of 29 (permalink) Old 01-16-2011, 09:30 PM Thread Starter
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I took this directly from Progressive.com and wanted to post it for any others insured by Progressive who are taking part in track days:


Coverage under this Part III will not apply to property damage:
1. i i if coverage is available under any other property insurance, including, but not limited to, Part IV of this policy;
2. resulting from, or sustained during practice or preparation for:
a. any pre-arranged or organized:
(
i
) racing;
(
iiii
)
stunting;
(
iiiiiiiii
) speed, or demolition contest or activity; or
b. any riding activity conducted on a permanent or temporary racetrack, racecourse, or during any closed course event.
T
his exclusion does not apply to use of a motorcycle for escorting participants in charitable racing events;
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post #12 of 29 (permalink) Old 01-16-2011, 10:12 PM
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Originally Posted by tab112302 View Post
My buddy went down at the track and messed his bike up pretty good. He told the insurance company that he was run off the road by a cager and that's how he went down. They paid him for that. I don't know what insurance company he has.
Thats called insurance fraud. Completely illegal and can have many negative affects on you life if you get caught. Not to mention you are compromising any bit of integrity you might have.
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post #13 of 29 (permalink) Old 01-16-2011, 10:33 PM
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integrity....does that still exist...especially in capitalist america
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post #14 of 29 (permalink) Old 01-16-2011, 10:37 PM
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Thats called insurance fraud. Completely illegal and can have many negative affects on you life if you get caught. Not to mention you are compromising any bit of integrity you might have.

Wise man especially as i stated above i used to work for PGR and it isnt beyond me to shoot an email to one of my friends still there to say to look out for an 07 600rr from new orleans recently wrecked. oh and include pictures from the wreck thread.

I am sorry but I have no pitty for people who try to defraud companies. All the employees there are paid on a profit sharing basis so by defrauding them you are literally taking money out of their pocket. i am not a **** and wouldn't go out of my way to turn in a fellow RRer (unless i know for a fact you committed insurance fraud), but ya never know who would. use your head. you pay to play.



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post #15 of 29 (permalink) Old 01-16-2011, 10:57 PM
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Originally Posted by bms231 View Post
Wise man especially as i stated above i used to work for PGR and it isnt beyond me to shoot an email to one of my friends still there to say to look out for an 07 600rr from new orleans recently wrecked. oh and include pictures from the wreck thread.

I am sorry but I have no pitty for people who try to defraud companies. All the employees there are paid on a profit sharing basis so by defrauding them you are literally taking money out of their pocket. i am not a **** and wouldn't go out of my way to turn in a fellow RRer (unless i know for a fact you committed insurance fraud), but ya never know who would. use your head. you pay to play.
It takes money out of my pocket as well since I have to pay higher rates than I would have had to.
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post #16 of 29 (permalink) Old 01-16-2011, 11:01 PM
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Originally Posted by bms231 View Post
Wise man especially as i stated above i used to work for PGR and it isnt beyond me to shoot an email to one of my friends still there to say to look out for an 07 600rr from new orleans recently wrecked. oh and include pictures from the wreck thread.

I am sorry but I have no pitty for people who try to defraud companies. All the employees there are paid on a profit sharing basis so by defrauding them you are literally taking money out of their pocket. i am not a **** and wouldn't go out of my way to turn in a fellow RRer (unless i know for a fact you committed insurance fraud), but ya never know who would. use your head. you pay to play.
To expand on that, insurance rates are based on the insurance company's statistics of how likely a given demographic is to wreck and make a claim. Insurance is a business designed to make profit and the idea is that they get enough people to pay them money so that the few that make claims can get paid and the company still makes profit. If more claims are filed and the company has to pay out, then rates go up for everyone. Sooo... By people like your friend lying and making illegitimate claims, rates go up for everyone including me.

But all that aside, yes integrity still exists. My father always taught me that "a man is nothing without his word". I put a high value on integrity. If I am looking to hire someone to work for me or doing performance reports, above all else I want someone with integrity. If you screw up, but you man up and tell me the truth, I will go to bat for you and do everything I can to help you. But if you lie to me, I will do everything within my power to make sure that I never have anything to do with you again. I know this is a long rant but liars and thieves (which I classify basically as the same) are something I just wont tolerate.
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post #17 of 29 (permalink) Old 01-16-2011, 11:56 PM
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Thats called insurance fraud. Completely illegal and can have many negative affects on his life if he gets caught. Not to mention he is compromising any bit of integrity he might have.
Fixed it for you. I guess you didn't notice that it was not me. I was just stating that people do lie and get away with it. I personally would not do it because it is illegal and I try to follow the law.
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post #18 of 29 (permalink) Old 01-18-2011, 08:21 PM Thread Starter
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After giving the bike a good look over i'm just going to do the repairs myself, she'll be a full time track bike Looks like subframe, clip on, bodywork, fairing stay and some misc parts. Ill post some pics of the rebuild once it's done. Thanks for the replies.
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post #19 of 29 (permalink) Old 01-18-2011, 08:32 PM
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makes me glad I didnt have a chance to go out to NP.

Sorry for what happened man and depending on where you are and if you need any kind of hand I may be able to help you as well.

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post #20 of 29 (permalink) Old 01-19-2011, 08:18 AM
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Wise man especially as i stated above i used to work for PGR and it isnt beyond me to shoot an email to one of my friends still there to say to look out for an 07 600rr from new orleans recently wrecked. oh and include pictures from the wreck thread.

I am sorry but I have no pitty for people who try to defraud companies. All the employees there are paid on a profit sharing basis so by defrauding them you are literally taking money out of their pocket. i am not a **** and wouldn't go out of my way to turn in a fellow RRer (unless i know for a fact you committed insurance fraud), but ya never know who would. use your head. you pay to play.

well said!!!
post #21 of 29 (permalink) Old 01-19-2011, 11:29 AM
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I have progessive and almost everyone I ride wit does too.
I almost 100% positive if you were just riding on a track
for track days that you are cover.

If you were racing or in a competition track race then you
are not covered.

Like Sour Diesel said call them and ask, but call from a different number.

Policies used to be worded that way but once people found the loophole and started submitting track day claims the verbiage was amended. I dont think any of the big carriers will cover a track day. If you have a small carrier they may still be using old forms. As stated above..READ YOUR POLICY. Funny how everyone knows exactly what they pay for insurance but no one knows what kind of coverage they have or how it works.
There used to be some companies out there writing the insurance but I guess they lost their shirts because it doesn't look like such a product exists any more.
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post #22 of 29 (permalink) Old 01-20-2011, 02:33 PM
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Originally Posted by bms231 View Post
Wise man especially as i stated above i used to work for PGR and it isnt beyond me to shoot an email to one of my friends still there to say to look out for an 07 600rr from new orleans recently wrecked. oh and include pictures from the wreck thread.

I am sorry but I have no pitty for people who try to defraud companies. All the employees there are paid on a profit sharing basis so by defrauding them you are literally taking money out of their pocket. i am not a **** and wouldn't go out of my way to turn in a fellow RRer (unless i know for a fact you committed insurance fraud), but ya never know who would. use your head. you pay to play.
I'm not one to condone fraud myself, but I'm not one to goto bat for large companies either. It cost me half the cost of my bike to insure for the year of 2010. Half the cost of my bike..... for one year....... You add the fact I do decide to make a claim and the higher premuims I'll pay afterwards, I think progressive is making plenty of profit.

Last edited by kyse; 01-20-2011 at 02:36 PM.
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post #23 of 29 (permalink) Old 02-09-2011, 11:37 AM
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FYI- State Farm covers the track. As long as it is not a race or timed event. I just went down two months ago on the track and totalled my bike. I was honest with them about where and how it happened and it was covered. I have also heard GEICO does (but that is just hearsay)
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post #24 of 29 (permalink) Old 02-15-2011, 11:57 PM
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FYI- State Farm covers the track. As long as it is not a race or timed event. I just went down two months ago on the track and totalled my bike. I was honest with them about where and how it happened and it was covered. I have also heard GEICO does (but that is just hearsay)
That's good to know, my idiot insurance agent told me I would be fine with Progressive if I crashed at the track, apparently that ain't so!

I will check out state farm and geico this year. I think it is kind of a one shot deal for track guys. If you wreck, and you make one claim, you got a discount on your repairs. After that, it may not make sense anymore to insure a track bike with the higher premiums.
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post #25 of 29 (permalink) Old 02-16-2011, 12:07 AM
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Originally Posted by jb97405 View Post
FYI- State Farm covers the track. As long as it is not a race or timed event. I just went down two months ago on the track and totalled my bike. I was honest with them about where and how it happened and it was covered. I have also heard GEICO does (but that is just hearsay)
Did your rates go up with state farm, i was wondering because i have state farm.
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post #26 of 29 (permalink) Old 02-16-2011, 12:29 AM
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Did your rates go up with state farm, i was wondering because i have state farm.
Yes, they doubled :(
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post #27 of 29 (permalink) Old 02-16-2011, 12:57 AM
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Yes, they doubled :(
What is it like anything over $750 claim your rates go up, i think one good lowside is like a grand worth of damage.
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post #28 of 29 (permalink) Old 02-16-2011, 12:57 AM
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Damn doubled that sucks
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post #29 of 29 (permalink) Old 02-18-2011, 01:12 AM
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Ouch, doubled? That hurts...
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