[Hunter]

Originally Posted by ausgeflippt951

This is a very interesting thread. May I ask how your agent found out about the roll bar? Do they do things differently in MD as part of the inspection?


Were I actually in town I'd be happy to help you remove the bar.


I'm not sure what this is all about -- I wonder if they're undergoing some kind of transformation. I've had a variety of providers over the years and for me, SF has unequivocally been the best (though I haven't yet tried All State with Scott!).


When I moved to VA and switched to my current agent, I was very candid with him about tracking the car. His response was that yes: my car is covered in full as long as I am not driving competitively. Driving on track -- particularly when the event is titled "Driver's Education" is covered in full.

I have this response both in writing and as a voicemail saved on my phone. I'm beginning to wonder if this is not enough CYA, though.


And for the record, I don't recall Hagerty's being all that great a deal. I seem to recall their premium was higher than SF when I looked into using them. And their coverage didn't seem any better.

I am not the OP but to share a little more on a statement you touched on, I too asked my alphabet company 11 years ago after joining PCA and starting my DE training and it seemed okay. I believe as time has past they are not as willing to go along with the program. If one were to read the statements in the policies now most will touch on the subject regardless of what lower level person may have said on the phone to you or me. This is why I purchased separate track insurance for DE events. However, in light of the OP and other comments it seems that there may be too much risk to you, me or any other DE person when driving on the street with a bar or worse cage in the car. It appears some companies may pay the claim if you are involved in an incident which, may or may not have been your fault and then drop you altogether afterwords. Or worse try to get a policy and mention or have them inspect and see a roll bar and puff all the policies go out the window. Dad didn't fly Mach+ 60 years ago for that!