Hey guys, I'm considering purchasing track insurance for my first HPDE event and I have some questions.
1. I am considering Lockton, they are a little bit cheaper than RLI/Haggerty. I am mainly considering Lockton over the other 2. After reading other people's positive experiences with them on different track forums, I have found that their claim process was easy and hassle-free in case something happened. Can anyone on TMO attest to this aspect about Lockton?
2. Does track insurance cover only damages you inflict on your OWN car? I assume, if someone else hits yours, track insurance wouldn't cover it? Is it basically Gentlemen's agreement to pay up say if I hit someone or someone else hits my car?
3. Is liability insurance necessary? Looking at RLI/Haggerty/Lockton, there isn't even an option to select it. Is there an insurance that offers liability insurance?
Thank you for helping a newbie!
1. I am considering Lockton, they are a little bit cheaper than RLI/Haggerty. I am mainly considering Lockton over the other 2. After reading other people's positive experiences with them on different track forums, I have found that their claim process was easy and hassle-free in case something happened. Can anyone on TMO attest to this aspect about Lockton?
2. Does track insurance cover only damages you inflict on your OWN car? I assume, if someone else hits yours, track insurance wouldn't cover it? Is it basically Gentlemen's agreement to pay up say if I hit someone or someone else hits my car?
3. Is liability insurance necessary? Looking at RLI/Haggerty/Lockton, there isn't even an option to select it. Is there an insurance that offers liability insurance?
Thank you for helping a newbie!