Insurance on vehicles that are used on track is very expensive - it is usually written on a per day basis, not included on your regular on-road auto policy.

For your regular auto policy, if you are looking to save and have the car listed under your parent's policy, the title of the vehilce and the registration must be in your parent's name. Then you would be added as a driver to that policy - it's still going to cost a bunch because you are a youthful with no experience (and a lot more if you are buying a car that is high performance/expensive/exotic...etc.).

Collector car insurance is not designed for regular road use, and generally excludes all track usage as well - it's desinged for what it's called - collecting. Use in shows, etc...that's all it's for. Generally speaking, you have to be 25 years old to get that type of insurance, depending on the carrier.

Living in NJ, you are required to have insurance on any registered vehicle, so the question of having insurance or not does not apply to going on track - if you don't have insurance, you're not allowed to operate that vehicle (unless its a special vehicle designed for racing...etc...which doesn't apply here). Your normal auto policy will not cover you in any form of track day or racing event peroid. You can go onto the track without purchasing your own track insurance, but you are doing so at your own peril - if you have an accident while at the track, you will not be covered for the damage done to the vehicle - and yes, they know if you were on the track. There's no real sneaking around the situation. They'll deny your claim, and you'll be left to pay the damages.



Post Title: Re: insurance? (marlin29311)
Posted by: troskinatior at 11:42 AM 6/23/2009

so i need insurance if the cars registered, so could i bring it to the track with it no being registered



Post Title: Re: insurance? (troskinatior)
Posted by: marlin29311 at 12:05 PM 6/23/2009

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