Change in Progressive Policy - no track coverage

[Bob Palin]

I was just looking at my new policy and one of the changes is in

 

"Coverage is excluded for organized racing events"

 

which has been expanded to

 

"exclude any loss that occurs while driving on a racetrack or during a closed track event"

 

Something to think about with the riding schools.

[krussell]

"exclude any loss that occurs while driving on a racetrack or during a closed track event"

 

I'd be interested in how they define "track." Could a parking lot where training is given be considered a track. Something like the MSF Experienced Rider Course, or the Lee Parks Total Control class?

[Joe Frickin' Friday]

"exclude any loss that occurs while driving on a racetrack or during a closed track event"

 

I'd be interested in how they define "track." Could a parking lot where training is given be considered a track. Something like the MSF Experienced Rider Course, or the Lee Parks Total Control class?

 

Somebody could call Progressive and ask them...

[swfraley]

"Coverage is excluded for organized racing events"

 

which has been expanded to

 

"exclude any loss that occurs while driving on a racetrack or during a closed track event"

 

 

This isn't an expansion at all! It's a change to allow coverage for point-to-point races!

[smiller]

I think the statement is pretty clear, as in no coverage while driving on a racetrack or during a closed track event. I don't think there would be much doubt in a rider's mind as to when they were in this situation. As to a parking lot course, that would probably only be an issue if one was foolish enough to call them and ask , otherwise there would be no way to discriminate it from any typical parking lot spill.

[T__]

I was just looking at my new policy and one of the changes is in

 

"Coverage is excluded for organized racing events"

 

which has been expanded to

 

"exclude any loss that occurs while driving on a racetrack or during a closed track event"

 

Something to think about with the riding schools.

 

 

 

Bob, good point.. Especially since different states have different insurance requirements..

 

Here is a response from over a year ago asking about a closed course training event.. Not sure how things have changed since then.. It would pay a person to call their own agent to see what,, how,, & if they are covered under training vs racing vs what is considered a close track..

 

 

 

Dear Mr. xxxxx

 

I would be happy to assist you with your concern.

You would be covered if you participate in this course because you are learning how to be a safer driver and how to handle the motorcycle in certain situations.

 

We appreciate you using our customer service via e-mail and look

forward to assisting you in the future. If you have any additional questions

or concerns, please feel free to reply to this e-mail or contact us by

telephone at 1-877-280-8418.

 

Sincerely,

 

__________________-

Progressive Direct Internet Service Specialist

 

 

 

Twisty

 

 

[Fugu]

I was just looking at my new policy

 

Good job. More people should read their policies. Would you please let me know what version your policy is?

 

Mine is Z196 (06/02)

 

 

If yours is newer would you mind emailing or posting a .pdf of the form? I'm due for renewal shortly and will end up with the newer form if one supercedes mine.

 

Twisty that reply you have is great, I would suggest that one in writing, on Progressive letterhead, in reply to a registered letter would be better insurance, especially if something went really pear-shaped at a school somewhere and the dollar amount was high.

[T__]

Fugu, that is over a year old so there might be some newer info available from a persons own insurance agent.. Very possibly could vary by State as some States require different coverage’s or have different coverage rules..

 

My renewal is coming up pretty soon so will have to see if there any changes in the new policy.. I also have a fleet type coverage plan as I have a lot of M/C’s..

 

 

Twisty

 

[smiller]

Twisty that reply you have is great, I would suggest that one in writing, on Progressive letterhead, in reply to a registered letter would be better insurance, especially if something went really pear-shaped at a school somewhere and the dollar amount was high.

That sounds like pretty good advice to me. With language similar to that in the OP in the policy it sure sounds like they could give you a lot of trouble on any claim that had anything to do with a closed course if they wanted to get adversarial about it. In any event I sure wouldn't rely on any information given over the phone. Maybe email would be OK if there was a very clear link back to a qualified originator.

[mrduck]

I have some classic car insurance-Haggertys- and they are very clear that my coverage stops as soon as I roll thru tech inspection at the local dragstrip.

I bet alot of your bike insurance policys are the same. When I asked about that for the bike , I got a somewhat vague response and a "let me get back top you on that" answer.

Still waiting, so I figure the answer is no!

[David]

State Farm (been with them for 30+ years) said I was covered.

[upflying]

State Farm (been with them for 30+ years) said I was covered.

I'd be more comfortable with something in writing rather than, "State Farm said I was covered".

[David]

I did get it in writing.

[Elhoff]

I know for cars, your insurance generally covers "Driver Education" events, but only if a certified instructor is in the car. Not sure how this would translate to a bike...can't imagine an instructor wanting to be on the back!