<VV> Collector Car insurance - Rally & Economy Run

[Dale Dewald]

At 21:45 2/09/2011 -0500, I wrote:

>The autocross is a closed course (not a public road) event and most
>insurance will not cover either damage to the car or liability for
>participating in the event.  This is why CORSA's insurance coverage of all
>such sanctioned events is so important, and why all those who participate
>should be CORSA members or at least pay a surcharge on the entry fee to
>cover the insurance cost extended to them.

Another list member pointed out that my comment on CORSA's insurance could 
be improperly construed.  CORSA's insurance is a general liability policy 
which only covers the organization itself, the local chapters, and 
participants, volunteers and workers at a CORSA sanctioned event against 
liability to other parties. It is not auto insurance in any way shape or 
form.  Any individual who participates in some type of racing (as opposed 
to a driving event on public roads) must understand that he/she will be 
personally responsible for anything "bad" that happens--specifically with 
regard to any vehicle damage.  The PLPD portion of one's auto policy might, 
however, still apply for certain "timed events" such as an autocross where 
there is no wheel-to-wheel competition.  It is up to the individual to 
check this out with their insurance company.

My intent was to reinforce the idea that all the participants in CORSA 
events, who therefore expose the organization to risk, should contribute to 
the necessary cost of the insurance CORSA needs to protect itself and 
others, either by paying dues as a member or some sort of event 
fee.  Unfortunately I did this very poorly and in the wrong context.

Dale Dewald
Hancock, MI