Insurance companies are shying away from track days.

[gm2]

in many states unless someone is hurt or property (other than the vehicles involved) damaged, there is no police report. 

[Statler]

There'd be very little to point to what actually happened, but you just never know.

Who knows if there's an insurance agent here online.   You lie on your report and inevitably discuss it here on the DMF (I'm shocked about how many people are happy to post illegal activity here...like it's private).   

All sorts of ways to accidently discover the truth.   Forums are a great source for insurance investigators.

[tufty]

Maybe the LACK of a police report on the "accident"? If the damage is high enough that you would make a claim it's most likely going to be looked upon with some suspicion if there is no police report to go with it.

Police report? What if you wreck your scoot on a quiet road with no one else involved and you aren't injured and are able to get the bike home. Should you still call the police? and if not, is your insurance still liable to fix the damage?

[ducpainter]

In NH if the damage exceeds $1K you're required to report it to the police.

Problem is...how is the lay person to know until they get an estimate?

[SP3]

in many states unless someone is hurt or property (other than the vehicles involved) damaged, there is no police report. 

I am not familiar with those states.

Police report? What if you wreck your scoot on a quiet road with no one else involved and you aren't injured and are able to get the bike home. Should you still call the police? and if not, is your insurance still liable to fix the damage?

You did not read my full statement then so I'll quote myself -

If the damage is high enough that you would make a claim it's most likely going to be looked upon with some suspicion if there is no police report to go with it.

As for your second quesion, I don't know. I would be willing to bet that you'll have a tougher time getting them to pay up without the police report.

[tufty]

As for your second quesion, I don't know. I would be willing to bet that you'll have a tougher time getting them to pay up without the police report.

I've had two wrecks that involved substantial costs ( both bikes were totaled), with 2 different insurance companies and on neither occasion did I call the police and in neither case did the insurance company raise any questions.

Here in GA it doesn't pay to call the police in a single vehicle accident, they'll cite you regardless. It's better just to pick up the pieces and get home.

Coincidentally, I've also made claims on cars without police interference. I don't understand why everyone feels compelled to call the police the second they bend a foot peg or scratch their hood.

[ducpainter]

I don't understand why everyone feels compelled to call the police the second they bend a foot peg or scratch their hood.

I don't think everyone does.

[gm2]

I am not familiar with those states.

California, for one.

[SP3]

I don't understand why everyone feels compelled to call the police the second they bend a foot peg or scratch their hood.

I don't think everyone does.

I certainly don't. Some people don't bother reading.

[tufty]

I certainly don't. Some people don't bother reading.

Well no problem then, I can't read.

Btw, I wasn't talking about you.

[sbrguy]

There'd be very little to point to what actually happened, but you just never know.

Who knows if there's an insurance agent here online.   You lie on your report and inevitably discuss it here on the DMF (I'm shocked about how many people are happy to post illegal activity here...like it's private).   

All sorts of ways to accidently discover the truth.   Forums are a great source for insurance investigators.

yeah but internet forums are also places where adults "pretend" to be underage.  meaning nothing on an internet forum can really be taken as truth until its literally verified in person.. otherwise everything is people talking out of thier  a**es.

[goldFiSh]

on the topic of the OP, count yourselves lucky..... Here in Oz, I'm almost 100% sure that no insurance company will insure you on any track - timed or otherwise... and if anyone can point me in a direction to be able to get insurance, then I'd be greatly appreciative..

[Cider]

and if anyone can point me in a direction to be able to get insurance, then I'd be greatly appreciative..

Lloyds of London will insure anything, if the price is right.