Insurance Providers take weather into consideration all the time. You should do the same before you go to the race track.
INSURANCE PROVIDERS FOR HIGH RISK RACING
Is It Hard to Get High Risk Racing Insurance?
HIGH RISK INSURANCE
High Risk Insurance for the high risk
category of race car driving is available through some major insurers,
however, it is going to be very costly. When one gets involved in any
type of high risk activity or sport, one needs to expect to factor in
the cost of replacing the equipment used in case of loss or
damage. Even simple modifications made to a car bought off the lot
from a dealership sends red flags to auto insurers that they need to raise the insurance rate immediately, putting the car into the high risk insurance category.
High Risk Insurance companies will
insure high risk categories, but in return they offer you high rates for
the most part. You cannot expect an insurance company to cover your
modified car or dirt track car for obvious reasons. The only thing you
can hope for is that they will provide insurance coverage for you
personally in case of injury, or worse, death. The major life insurance
companies are listed below for your convenience. The only way to
determine what the cost of their coverage will be is to call them
directly or write to them and describe your specific situation.
Obviously, by driving a race car, you will automatically be considered
to be in the high risk insurance category.
One note of endorsement comes from the IHRA who lists the company Wisenberg as a dedicated high risk insurance provider for auto racers. I called to verify that they are indeed in business and do provide high risk insurance coverage nationwide. They did verify that information. Should you need to contact them you can reach them at:
Wisenberg Insurance / Risk Management
24 Greenway, Suite 1100
Houston, TX 77046
Phone: 713/507-9476 or 1-800-364-9476.
Another credible provider is: Gulfway Insurers.
"Gulfway Insurers provides specialty insurance coverage to the entire
motorsports community: not insurance for the person but insurance for
the vehicle only. They cover: collector cars and trucks, antique cars
and trucks, race car physical damage insurance, sportsman to
professional contents and equipment, wrenches to motors, trailers (tag
to full pro trailers complete truck insurance), tow rig - 18 wheelers to
pickups, drag bikes, drag boats, monster trucks, owners and sponsors
race shops, vendors, race tracks and race teams. Gulfway Insurers can
handle the coverage you require. We are capable of providing such
coverage because Gulfway Insurers is owned and operated by a NHRA Pro
Modified & Super Chevy Show Nitro Coupe Driver, Mel Eaves. Mel is a
longtime racer and successful businessman who is very aware of exactly
what the racers needs are."
You can contact Gulfway Insurers at: (verified)
12701 US Hwy 19
Bayonet Point, FL 34667
The Capacity Group
Insurance and Financial Services
Auto racing forum with discussions about insurance:
American Modern Insurance
Click this linkto go to an EXTREMELY informative page about Life Insurance for Everyone, including High Risk race car drivers.
It is difficult to find a good high risk insurance provider, but this
will at least give you a start. As we identify more, we will add them
to this site or the blog so feel free to check back from time to time.
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