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Old 08-15-2013, 09:23 PM   #31
dcramer
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Originally Posted by aviator View Post
hmm makes me wonder if when I one day maybe next year do the Targa Nfld. even in the non-race class would I be denied the coverage if I go into the rocks/sea? Things to think about...
If you're in a race then you wouldn't be covered. I have a great shell for sale if you want to race it, no worries about banging it up. Course it has a salvage title now
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Old 08-16-2013, 10:05 AM   #32
sb_600
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^yup, but the funny thing is you NEED insurance on your car and it needs to be street legal because it is driven on public street during the transits, etc.
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Old 08-16-2013, 04:16 PM   #33
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I know a mech who can (probably) get the salvage title off it... basically it needs to be "rebuilt" and you can get the salvage "brand" off it. it's a paperwork hell though from what I understand. That "street legal" thing is a bit of a grey area.... to run in the full on Targa class the car has to be race prepped with an internal roll cage, 5pt harness etc... and 5pt harness are not legal on road cars [according to the cops/courts] because they were never OEM factory parts. Also the roll cages interfere with or cause the removal of all the SRS systems which are required to be present and functional these days. So my ? is how can the Race cars be "legal" I think they have a special permit for them to travel on the roads during the "liason" [between closed road race segments] since they are always in groups during these stages.

as we drift merrily off topic here...

Last edited by aviator; 08-16-2013 at 04:25 PM.
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Old 08-16-2013, 04:48 PM   #34
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I would suspect just take it to get a structural inspection if you don't care about the body work.

The body work would be extensive check out the pick
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Old 08-16-2013, 05:09 PM   #35
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ooooo... hate to see them all crumpled like that...
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Old 08-16-2013, 05:10 PM   #36
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Not as much as I
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Old 09-09-2013, 11:40 AM   #37
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Turns out that much of my problem with the ins company stemmed from me actually asking them if it was OK to do D/E events. I guess someone caught shit as a result
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Old 09-09-2013, 12:05 PM   #38
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Hey - thanks for sharing your experiences. I'm curious - did you or your insurance have to cover the damage to the wall as well?
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Old 09-09-2013, 12:08 PM   #39
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I have not heard anything about any damage to the wall. I doubt it was damaged. To be honest I never looked.
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Old 09-09-2013, 01:23 PM   #40
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sorry to hear about your car, but glad your alright! Insurance companies are the hardest to deal with, and with ontario's stupid policy even if your not at fault, the claim will still effect your insurance premium...
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Old 09-09-2013, 01:51 PM   #41
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sorry to hear about your car, but glad your alright! Insurance companies are the hardest to deal with, and with ontario's stupid policy even if your not at fault, the claim will still effect your insurance premium...
not at fault claims dont effect your insurance premium.

claims on your home insurance policy do.
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Old 09-09-2013, 01:52 PM   #42
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well as there was nobody else to blame I am at fault. That's the way it works I'm afraid
I have heard that weather can be no fault, but I haven't verified.
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Old 09-09-2013, 02:38 PM   #43
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I am making a hit and run claim at the moment. I don't have an agent, so I appreciate the comments made above about working with agents. In my case, both the police and my insurance company have said that if they are satisfied it was a hit and run, there will be no impact on my premium. So far the police seems satisfied. I will find out what the insurance company thinks soon.
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Old 09-09-2013, 02:44 PM   #44
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The only thing I know about hit and run is that if you don't have collision you don't have coverage. I would strongly urge you to get a broker either way
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Old 09-09-2013, 03:09 PM   #45
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The only thing I know about hit and run is that if you don't have collision you don't have coverage. I would strongly urge you to get a broker either way
Agreed.. if there is no party at fault 100%, without collision coverage, you're shit out of luck.

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