Originally Posted by
merlinextraligh
High Performance Driving Education("HPDE"), which I do, isn't a race; its just an opportunity to drive your car fast on the track, and hopefully learn to drive it better. While it's not timed, and allegedly non-competitive, there is a competitive aspect to it.
There is insurance for competitive events. Both of the companies I've used, Haggerty and Lockton write coverage for time trials, which are races just not head to head.
For a large enough premium and high enough deductible you can get insurance covering property damage occurring during a race.
Motorsports & Racing Insurance Coverage : Chizmark & Larson Insurance Agency Motorsports
And the $110,000 covered property damage to my car, based upon its value at the time.
Thanks for the response. As I surmised, only specialty insurers, no reference to any insurance company that might attach a rider to bicyclist's renter/homeowner/auto insurance policy to cover bicycle damage incurred while racing.
Note that the OP was shocked, shocked that his State Farm renter's insurance didn't cover bicycle damage incurred while racing, and it was suggested that somehow the State Farm agent was lazy or negligent not to offer a bicycle race "rider" to make the poster happy.