Liability at trackdays?

**cowboyz** · 28th January 2008, 17:08

This is one of those questions that I hope will never need to be tested but wondering what the story is if one bike hits another at a trackday causing damage? If both are insured for trackday use then one would think the respective insurance companies would deal with it.
But what if an insured bike hits a non-insured bike? Would it be valid for the uninsured rider to claim on the insured riders insurance for the damage if the accident was caused by the insured rider (much like on the road) or is it bad luck?

**JimO** · 28th January 2008, 18:16

its really hard to read that green .

**Kendog** · 28th January 2008, 18:29

Originally Posted by jimjim

its really hard to read that green .

This is one of those questions that I hope will never need to be tested but wondering what the story is if one bike hits another at a trackday causing damage? If both are insured for trackday use then one would think the respective insurance companies would deal with it.
But what if an insured bike hits a non-insured bike? Would it be valid for the uninsured rider to claim on the insured riders insurance for the damage if the accident was caused by the insured rider (much like on the road) or is it bad luck?

**JimO** · 28th January 2008, 19:18

thats better. what if the uninsured rider causes it the insured guys insurance co will be chasing him for the $$ as well as having to fix his own ride

**jrandom** · 28th January 2008, 19:21

Personally, I think that insurance on the racetrack is just dumb, and there isn't any sensible way of assigning reliable blame for crashes involving more than one bike.

I would imagine that the insurance companies would just sort out their client and ignore any other affected parties.

**MVnut** · 28th January 2008, 19:49

The track is the track, everyone sorts their own

**Mort** · 28th January 2008, 20:33

As I understand it, everyone is liable for their own bike ONLY regardless of circumstance - this is not the road.

**cowboyz** · 28th January 2008, 21:02

what if in the slow group and the rules say no passing on the inside and a rider passes on the inside and loses it and takes out another bike. In the race and possibly fast groups the rules are a little unclear but in the slow group the rules are very clear.
Would be interesting to here from insurance brokers that wander the site or those in the know to see if it is possible to claim on someone at faults insurance. Its all well saying that you should be with an insurance company that covers trackdays but how fair is it that you have to pay up $1k excess for an accident that wasnt your fault?

Disclaimer: This has not happened to me or anyone I know. Just pure interest about what could possibly happen when on a trackday. Hope it never does.

**cowboyz** · 28th January 2008, 21:03

And moreso. Would anyone consider asking someone who took you out to pay for your bike? Assuming that you are both on road bikes there for a non timed, fun ,trackday - not to race.

**bugjuice** · 28th January 2008, 21:08

Originally Posted by jrandom

Personally, I think that insurance on the racetrack is just dumb, and there isn't any sensible way of assigning reliable blame for crashes involving more than one bike.

tis handy tho, if you have a low/high side, then you're still covered.
I personally think it's a good idea, since I'm fooked if my bike goes down at a track. But I love going, and I can't afford a second 'track bike'. If I stack it, then I know my ins will cover me, and give me something to get around on in the mean time, if I still can!
If I hit someone, then my ins covers me. If someone hits me, then their's/mine will cover me one way or another.. I'm still covered
wouldn't get ins if they didn't offer the track cover

**cowboyz** · 28th January 2008, 21:15

so are you saying you would expect someone elses insurance to pay for your bike if they hit you and you not pay your excess?

Still unclear on it.

**bugjuice** · 28th January 2008, 21:17

if someone hit you, then you have to follow whatever the ins tells you to do.
Personally I don't know, cos I haven't read all the T&C's of mine, and no one *touches his wood* hmmmmmmmmmmmmmmm has hit me yet

but I think you have to pay your excess even if you get hit, then they refund it to you later on once the claim has been completed by the other party/ins etc

**McJim** · 28th January 2008, 21:20

I thought it was simply a case of if someone else takes you out on the track you get to kick his head in? Michael Schumacher doesn't come on KB trackdays yet does he?

**MVnut** · 28th January 2008, 21:29

Originally Posted by cowboyz

And moreso. Would anyone consider asking someone who took you out to pay for your bike? Assuming that you are both on road bikes there for a non timed, fun ,trackday - not to race.

Absolutely not