Re: STATE FARM INS./ POLICY CHANGE

[SMILLER@xxxxxxxxxxxxxx]

Just in case no one has said this yet (too busy with flame wars?):

Drivers Schools are neither "racing" or a "speed contest".  They are
instructional events.  They are also not "practicing for" racing or speed
events.  Starts, passing and racing strategy are not taught.  And you
can't say a vehicle is being "prepared for" racing unless you know for a
fact that the car is going to actually be driven in a race.  That's hard to
prove if said race has not happened yet, especially if said car has no
race equipment (roll bar, fuel cell, etc.).

Interesting aside (well it was interesting to me, anyway):  I was covered
by State Farm when I had that unfortunate incident at a GGC Sears Point
drivers school back in 1995.  I have a friend who is a claims adjuster at
State Farm.  Before I filed my claim, I called her to find out what the
probable reaction would be to my claim.  She checked the policy and
discovered that the "no racing"clause (the one cited below) was
MISSING from policies issued at the same time as mine.  So, I COULD
HAVE BEEN racing and been covered.  Supposedly they were going to
hurry and get the clause back into the policies.  I can't believe they're just
now getting around to that.   ???

Scott Miller
Golden Gate Chapter
BMW CCA #44977

>Date: Sat, 23 Jan 1999 20:01:26 EST
>From: DKoelmelM3@domain.elided
>Subject: STATE FARM INS./ POLICY CHANGE WITH LATEST PREM.
>NOTICE
>
>I just received by semiannual prem. notice for my M-3 (which actually
>went down) but with the typical insert with notice to certain policy 
>changes such as '' THERE IS NO COVERAGE WHILE  VEHICLE IS
>OPERATED IN, ENGAGED IN PRACTICE FOR, OR IS BEING PREPARED
>FOR ANY RACING OR SPEED CONTEST. THIS APPLIES WHILE
>THE VEHICLE IS OPERATED OFF PUBLIC ROADS ''  *This sounds like
>drivers schools. I have done several schools and planned on a few this
>year but can't take the financial chance if this new policy change could
>be used against me in a legal confrontation. Hope for some opinions
>from some lawyers or insurance Exec. on our list.

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