TRR Request (big one)

[Wilson]

I need to restate my previous post I do not want to see any carnage this year either or any time. How ever if it happens we will need details from the owner no one else. so if you are the owner state it on your post so we know. I know you can learn from others mistakes take the 90 foot jump for example. I would thank a full wright up on what not to do's.

 

[rasco]

Wilson!
Wilson!
Wilson!
Wilson!

Vote Wilson for Raptor President. You just gotta love this guy!

 

[Wilson]

I'm the e-30 president^ but seriously if some one hits a 100 foot jump I want to eventually see it.

 

[DirtNasty]

This is where you and I part ways.

We're not talking about "just" a "few thousand" for broken parts. Shit happens and that's what insurance is for.

Being "smart and cautious" will NEVER GUARANTEE shit doesn't happen. And shit happens even when you're not being "stupid and fast."

I 100% agree, that is why people who want to be covered while racing at an offroad event should get the proper coverage vs committing insurance fraud like what is suggested by the undertones of this thread. Well this thread is more along the lines of conspiracy but ill let that one be as well.

So i think we are on the same damn page, we just differ in one important aspect. The other camp seems to want to abuse/warp/pull their insurance coverage one way (to a level of coverage they most definitely do not have) while i am of the mindset of get the right insurance or dont put your self in the situation to pay out of pocket if that is what you are trying to avoid.

---------- Post added at 10:08 AM ---------- Previous post was at 09:58 AM ----------

This is a great idea and should be a point made at each event, also the moderators of the forms should monitor and remove these types of posts if they make to the web. This is in no way to hide or commit fraud it is about not escalating the issue for the owner letting them handel their issue the way they feel best.

So any lawyer worth his salt is going to shred the above and any court/judge is going to see it as the exact opposite based on the tone, content, and intent of this thread. I understand where you are coming from and what your perspective is but unfortunately for you and others the world around you does not operate the way you want it to.

For the record in my world view the entire topic of this thread is:

1. Common ******* sense.
2. Common ******* courtesy.

But where i come from snitches get stitches, the trick should always be to never give a snitch a story to tell. Which goes back to my previous points of avoiding these scenarios by properly planning insurance coverage or just not putting your self in a scenario to have to pay out.

 

[KaiserM715]

Dirt, actually this IS a different situation. The claim discussed here was denied because the insurance company saw numbers on his truck and heard that it was closed course and then kept insisting that IT WAS A RACE!!. TRR is NOT a race.

 

[Mjolnir]

im all for keeping things quiet until after insurance is dealt with

how does your insurance work down there though? Does it stipulate offroad driving is not covered? If so, I dont blame the insurance companies one bit for denying a claim that was caused by offroading. Gotta remember, they are a business, and not a charity. So I have to agree a bit with dirtnasty. If you cant afford to possibly fix a few grand worth of shit on your truck, dont run it hard.

If i was to attend the event, I would drive as if I had no insurance. things would turn out much better that way


However, that being said, it would suck to see someone fail at committing insurance fraud due to someone elses urge to post something online.

all about having the right coverage for your intended uses. If you have offroad coverage, shouldn't matter at all what people post. If you dont, well, dont wreck your truck offroad lol. no one to blame but yourself if you do.

just the way I see it. its like the bent frame and ford warranty debacle.
you drive the truck beyond its limits, of course it wont be covered by warranty. So if you drive the truck beyond your insurance's limits, it wont be covered.

might sound harsh, but its the truth.


so, after that long winded post, I hope no one has issues, and if they do, I hope people respect the premise of this thread, and give people a chance at getting insurance if they need it.

As I do quite a few "driver" events, I have gone over this extensively with State Farm. A driver education event is covered for loss by insurance (at least with State Farm). If it is a racing event (usually meaning uncontrolled passing situations, passing into corners, ANY event with checkered flags) then it is not covered.

years ago I had some serious issues with some Texas torrential rains while doing an event with my F355, and insurance backed me 100%, even though it was on a race track, it was a controlled driving situation (well the event was, my 7 spins into the infield wasn't).

I think a good part of it comes on how the TRR is explained and positioned. In my view Trey has done a good job positioning it as a driver education/training event, and not as a trophy truck race, which means that sometimes you will get stuck behind some slow ass white scabs (sorry Rich, I will keep checking my six), but in the end that distinction can save you if you *** the truck up.

 

[Wilson]

I believe that is a mistake on the insurer's part and would like to know what type of insurance it was so I never buy that kind. I do not like getting bent over. If they are getting their info on a form they are not a part of I want nothing to do with them.

 

[DirtNasty]

Dirt, actually this IS a different situation. The claim discussed here was denied because the insurance company saw numbers on his truck and heard that it was closed course and then kept insisting that IT WAS A RACE!!. TRR is NOT a race.

Depends on what his insurance defines a race as now doesnt it, again if people want to avoid the above scenario they need to go in it with the right mentality.

1. What i break i pay for.
2. I need to get the right insurance coverage if #1 isnt an option.
3. If i cant do #1 or #2 dont drive so hard as to put yourself in a position where this even matters.

It also comes back to understanding exactly what your insurance will cover, and if they are going to be ***** about things. If they are ***** about things prepare to lawyer up or eat the costs. This all should of course be explored ahead of time (e.g. your lawyer should already understand the situation and the verbage in the contract you executed with your insurance company).

Basically this shit is common sense shit people, not sure why it even needs to be drawn out our discussed. We as individuals may define a race differently then the insurance company (who is going to define it as loosely as possible, organized, closed course, multiple parties on "road" at same time, etc).

Oh and


---------- Post added at 10:52 AM ---------- Previous post was at 10:51 AM ----------

As I do quite a few "driver" events, I have gone over this extensively with State Farm. A driver education event is covered for loss by insurance (at least with State Farm). If it is a racing event (usually meaning uncontrolled passing situations, passing into corners, ANY event with checkered flags) then it is not covered.

years ago I had some serious issues with some Texas torrential rains while doing an event with my F355, and insurance backed me 100%, even though it was on a race track, it was a controlled driving situation (well the event was, my 7 spins into the infield wasn't).

I think a good part of it comes on how the TRR is explained and positioned. In my view Trey has done a good job positioning it as a driver education/training event, and not as a trophy truck race, which means that sometimes you will get stuck behind some slow ass white scabs (sorry Rich, I will keep checking my six), but in the end that distinction can save you if you *** the truck up.

What he said! Also make sure you understand (like he did) how your insurance defines such events and where those lines are. If their definition does not suit your needs or makes you nervous find a company that doesnt!

 

[rasco]

DirtNasty must work for an insurgence company! Lol.

 

[DirtNasty]

DirtNasty must work for an insurgence company! Lol.

lol not even close (i fen hate insurance companies, which is why i try to not put my self in a position to ever deal with them or a dealership).

Just seen some buddies of mine get stitched up for similar mentalities one aint coming out until 2041, but he did a bit more then just insurance fraud (which is where he started on the "easy money" slippery slope).