I just read the disclaimers on my Insurance policy with State farn for my rail. Though you guys might have the same clause in all the policies. If anything happens I was in the dunes on the flats.

" There is no coverage for: Any Vehicle while Operated in or used in practice or perparation for any" (1) Hill-climbing or jumping contest or (2) racing or speed contest."

Looks like they don't like the drags or the hill. Just a FYI for everyone.

Contest could be your key word there

Exactly. Racing increases your chances since you are pushing the limits with another car very close by doing the same thing. That's a huge liability.

I'd bet there is similar language for your street cars too...that usually applies to warranty coverage as well.

Everything in life has a disclaimer. You can thank your local greedy attorney for that!!!!!!!!!!!!!!

i am working on getting that taken care of now. I have a qoute from Jeff St Clair From the site here and getting one from state farm. I have all of our items through state farm now so I hope there is a discount. Any feed back on either would be great.

I had foremost, and they raised my rates 200 bucks, then I went to state farm and they haven't changed since...
No insurance cover racing or competition of any type.... If you had a eliminator boat and you were racing it, your insurance wouldn't cover it...

...that is the regular language. We have the same language in our policy. And, they will ask you those two questions in about 10 different ways before they pay. As long as you are not doing either of those, State Farm will pay and they will pay fast. State Farm has been very good to us.

# [noun] an occasion on which a winner is selected from among two or more contestants
Synonyms: competition

# [noun] a struggle between rivals

I too, have been very happy with State Farm. I have not added the buggy yet, but they have been wonderful on the boat and cars when I needed them!

Full coverage , 60 grand worth, and on road use. State farm 575 a year. We have 8 items insured with them now, multi discount saved me a boatload of money

State Farm here too. Full coverage and claimed my car is worth about 75k for around $650 yr.

OOps! I had a couple of you guys PM me about my coverage. Turns out my original quote of$ 647.00 yr. was adjusted to $870.00. My wife paid it and didn't tell me it changed. Sorry for the mixup. BTW it covers everything except Fungi and radiation ( no kidding)

is a contest and OFFICIAL RACE or is it just a contest.

Seems like an out to me. Who races OFFICIALLY?? at the Hill or the drags?

No one right?? Insurance pays then

Think offical rules, lic to race in that class, money purse etc

Then there's no problems then, right?

Go with Jeff Bro!!!! He is da bomb.......... You should cancel ALL your insurance stuff and go with Jeff!!!

You forgot the rest of the quote:



" There is no coverage for: Any Vehicle while Operated in or used in practice or perparation for or after talking about or even thinking about any" (1) Hill-climbing or jumping contest or (2) racing or speed contest. "

Just keep in mind: Insurance companies are in business to not pay claims, not the other way around. And they have much better lawyers than you do. There's a reason most disclaimers are a little vague...

@journeyman

I know from experience on the rails we have paid claims on, we get rave reviews! Our clients couldn't be happier!

Can someone give me Jeff St Clair from state farm's email or phone number. Please

Thanks OB but the cost was much less with my company. However Jeff did say the higher cost from foremost was due to AZ laws. It would be great if someone that understand all of that to explain it in simple terms???

Morning,
My office # 951-736-6710 give me a call. or e-mail jstclair@farmersagent.com. I am a Farmers agent and write the off-road, r.v.'s and water toys with Foremost.
Thanks, Jeff

I can second that also with Foremost, claims have all gone well. The few companies that write these type of policies (a total of 3 that I know of) are all reputable companies and are not going to try and not pay a claim when coverage is there. Jeff

Arizona is the only state that allows basically an off-road vehicle to drive on road with a few mods. That creates an additional exposure - on road use and Foremost in Az. covers that exposure which increase premium because of the additional risk.
Jeff

HDwrench and surf&dune-full coverage includes comp and collision (you crash you are covered)?
If so your prices sure seem low.


Insurance Girl- will State Farm write 'new' sand car policies or just renew existing policies?

Yep, full coverage. I claim my cars worth $70,000, comp and collision. Only thing not covered is fungi,and radiation. (no joke its in there)
Two things, I've never made a claim in 24 yrs., and I've had the same agent. Maybe that helps?

I third Foremost and Jeff ST.Claire. I had my insurance $ in 10 days in hand. $50,000.00 $745.00 a year full coverage. They Rock