Josh, some of us have been bugging American Collector's to offer policies in VA for the past two years, without success. I got tired of waiting and went with Pacific. I think RL is glad he went with Pacific, too. :shock:

New to NOVA and needing insurance (track and street) for my SC, has anyone had to make a claim on these companies (ie Pacific?). Will they "drop" you in the future if you make a claim?

Watch Rick Lee's (aka Richard LeSchander) situation as it unfolds. That'll tell you how good Pacific is.

I'm very interested to see how Richard's company handles his case. I didn't give much thought to track insurance, but given the amount of carnage experienced at the last DE, it makes a lot of sense. Given the blue book of a 20yr old car, putting my Carrera into a wall would almost certainly total it :shock:.

That was my thought when I ran a 914 1.7 - heck, I should have bought a six pack since they are cheaper than some folks spends on wheels alone for a season.. but now that I have that real expensive ass draggin 911 ( :shock: ), I figured I best insure it since I can't replace it :wink:

What a timely thread.

http://forums.pelicanparts.com/showt...hreadid=186821

Please comment. Thanks.

Ric, IMHO you are playing with fire.
The reason you bought track insurance because of potential of a off course excursion. Track ins is a stated value policy with the deductible set at 20-25% of the stated value. The normal policy does not cover you when you're on a public highway.
USAA (or pretty much ANY auto ins co) covers you when you're on a public highway. Most (not all) have exclusions were they will not cover you if it is not a public highway, a speed event (?), a timed event, etc.
Just because you have 15 years with them, multiple cars, house, etc, means ABSOULTLY NOTHING. Don't forget we're talking secondary coverage here.
If you want to file a claim with USAA (which they may not pay) I would suggest that you find another insurance company to cover your cars, house, whatever, obtain a policy, BEFORE you file a claim with USAA.
Couple reason to do this. #1 is they may cancel all of your insurance the day you file your claim. You do not want to try and obtain insurance with another company when your first company has cancelled your policy. If they don't cancel you they MAY increase your premiums on house and cars and still not pay.
Insurance companies are becoming real priques ;). They will cancel you for multiple small claims over a period of time (2-3 yrs) or one large claim. If you're lucky and they don't cancel you'll have a large increased premium (25-35%) over the next 5 to 7 years even though they didn't pay!
It's nothing personal, it's just good business. :roll: