Most tracks presumably have you sign a waiver, waiving them of responsibility for you and your vehicle.

That leaves you 100% responsible... Unless you've got track or race insurance. Anyone insure their street-legal ride for Auto-X, or just track-time in-general?

 

AX and DE are two different things. Much depends on the state that you live in. Here in MA you are not covered for DE evnets as a part of the standard policy. Some states you are covered. Typically, its very difficult to get DE insurance at all my and many other states. You can get race insurance, but its is insanely expensive (from what I've seen roughly 10%+ of the value of the car for a season). American Collectors offers the best deal. $5K deductible with fairly low rates. The principal behind DE insurance is covering for a catastrophic event (totalling the car). Bend a fender and your still pretty much on your own. Cost varies with the replacement cost of the car and you have to have had a license for 10 years.

http://www.americancollectorsins.com/de_quali.htm

As far as AX goes, I'm unreliably informed, that at least here in MA, you may be covered as long as there are not multiple cars on course. No one I know of offers insurance specifically for AXs. If you run in a lot with polls and stuff, I'd certainly want to check your policy for wording around off road events, time competitions, etc. Hope this helps.

 

You might want to read the fine print of your policy as well. I know when mine was renewed they changed the wording to something like if you were in a "competitive event", your dropped. Of coursse, different insurance companies have different policies.

Driving Schools were OK

 

I know 100% for sure my USAA policy does not. So I'm curious as to what my other options are, if I decide to give Auto-X a go.

 

Push it down the street from the event and say you lost control?

I'm not certain what your autocross venue looks like, but at ours there's nothing to hit... The worst you'll do is spin, unless there's hard stuff to hit (e.g. curbs, light poles, etc.).

In my experience, many insurance companies will cover an accident at a DE (depends on the company and the state, but here in Texas they're covered)... but at a "competitive event" or "timed event" like an autocross, you're on your own...

 

Don't forget the insurance waiver you are signing at an event leaves you responsible for not only yourself and your car but, also anything you may hit or break!. Most insurance companies will cover you if you are at a instruction type of event. Other things may be governed by the state you live in. Check with your agent, or actually several, as they may not be forthcoming in their information to you. In NY state, racing is NOT an exclusion on your policy, I would assume some other states are that way as well. Of course if you race, crash, and are covered. Most likely will they drop you after they pay your claim.