Has anyone dealt with a track claim through AAA (SoCal)? I anticipate having to fight to get them to cover my claim and would appreciate any advice. I lost it coming out of a turn while it was drizzling, did a 180 and ended up sliding into a wall - car will most likely be totalled. It was a non-timed performance driving education session. Car was all-stock.

I'd also like to know since I have AAA...

My sister-in-law is a Senior Claims Adjustor for AAA in SoCal. The real answer is that "it depends." It will depend on the claims adjustor and may hinge on how nice you are. Because the accident occurred on a track (I assume it was a track) it will raise more questions so be prepared to answer them with "it was not a race or racing event" and have the backup from whoever hosted and rented the track. If you get a "no" ask for a manager and further review, until it gets to the legal department if you have to. Apparently the contract calls out "no racing" but as this was not a race, you should be covered. If it's ambiguous, it should decide for the insured.

Let us know how it goes and good luck!

Thanks - I'll post an update when it gets settled. Any other experiences/advice would be appreciated.

Has anyone dealt with a track claim through AAA (SoCal)? I anticipate having to fight to get them to cover my claim and would appreciate any advice. I lost it coming out of a turn while it was drizzling, did a 180 and ended up sliding into a wall - car will most likely be totalled. It was a non-timed performance driving education session. Car was all-stock.

Well, I heard through a friend that happened to a friend of his that...

Just be very honest and brief in any statements by voice or writing to the insurer. Don't do their job for them like estimating speed and so forth. This may end up in court so you want to be very, very and I mean very honest but brief. Only answer what you have to and answer it to the best of your knowledge without babbling... you can say "I don't know." In the end you should get your money but expect that it should take a good while. Also may want to consider dropping your insurance company because they are certainly going to drop you. Go get yourself a policy through another carrier and you shouldn't have to reveal this claim because it is unresolved. A touchy area though, don't mislead the new company but if they ask "have you been found 'at fault' for any accident in the past X years.." say no.

Good luck and don't let them bully you. Think in your mind race track = private property like a mall parking lot... just don't expect your insurer to want to think likewise. This was a single car accident with no citation for moving violations. If you were not being timed there is no reason not to be covered.

Also may want to consider dropping your insurance company because they are certainly going to drop you. Go get yourself a policy through another carrier and you shouldn't have to reveal this claim because it is unresolved. A touchy area though, don't mislead the new company but if they ask "have you been found 'at fault' for any accident in the past X years.." say no.

This is an interesting thought. So this incident wouldn't affect my policy at the new insurer for the first year, but would it appear next year? In other words, will AAA report this on my driving record which can then be accessed by my new insurer when they calculate my renewal next year?

I don't even want to think about dealing with this kind of trouble.... That's why I drive within my driving skills...I am in the intermediate, but I drive like a novice and let everyone pass me. I am sorry that you have to go through this...

Graat,
Was this at a BMW CCA driving school? If so, PM me,and I'll point you towards some folks who may be able to help.

I've always worried about this, I actually totalled my Porsche on the street once, nobody else was involved, I was able to limp the car to the body shop the next day. I never got a police report or had any witnesses, I just simply called my AAA rep and said I ran my car up against a guard rail driving around and that was it. They came out to look at the car said it was totalled but offered to repair it because it was such a nice looking car (at least on one side) That was all they did, never really asked too many questions since I had full coverage, no reason to think I had it at the track, got my car back just like new. So it seems like you could do the same thing, just leave out a few details, you ran into a retaining wall because you were going to fast.

Brent

Problem is, if you get caught it's federal pound me in the ass prison time.