I have been asked many times about the coverage the SCCA provides at our solo events and why is it any better than non SCCA events.

      First, let me make it perfectly clear, our insurance does not cover your car in any way. We are talking about liability insurance. This is what protects you if you run over someones foot in the grid for instance, and they are crippled for life. The jury, non racing types, decides to award the person 5 million dollars for YOUR carelessness. You are covered!

The main difference between clubs is the liability coverage you are provided, should you hit a course worker, spectator or damage the lot owners property. Most Mark clubs, like Porsche and BMW do carry liability insurance, but I am not aware of the coverage provided to the participant. Some clubs only carry liability for the provider of the lot and not for the competitors, the only thing I can say about them is "let the buyer beware". The SCCA makes the insurance binder coverage available at every event, I'm sure many of you have seen it
posted either on the bus or at the worker tent. In today's litigious society, I would not want to run in an event that did not provide at least $5,000,000 in personal liability protection. Below is the coverage available to all participants at SCCA Solo events. This is taken from the main binder policy which is available in full on the main SCCA site http://scca.org

General Description:

This insurance is intended to protect SCCA/SCCA Pro, and their regions and members, and track
owners, landowners and sponsors of the event, drivers and their crews, and owners and sponsors
of vehicles entered in an event from Bodily Injury, Property Damage, Personal Injury, or Advertising Injury claims arising out of a covered incident at a SCCA or SCCA Pro event.

Type of Coverages:

The limits of the coverages are:

Coverage: Limits

Bodily Injury (Spectator Liability) $10,000,000 per event

Property Damage Liability $10,000,000 per event

Participant Legal Liability $10,000,000 per event

Contractual Liability $10,000,000 per event

Products Liability $10,000,000 aggregate

Personal and Advertising Injury Liability $1,000,000 aggregate

Liquor Liability $10,000,000 aggregate

Medical Professional Liability (Excess) $10,000,000 per event

Officers and Stewards Errors and Omissions Coverage $ 100,000 per event

Official Vehicle Property Damage $ 50,000 per occurrence *

*$500 deductible (responsibility of region/event organizers)

General Description:

This insurance provides coverage at various limits for the following
categories of participants that are injured in event-related accidents at
SCCA or SCCA Pro events.

SCCA/SCCA Pro Member

A. Coverage Participant Limits Participant Limits (with license)

Medical Reimbursement (Excess) $1,000,000

Accidental Death $ 25,000

Dismemberment by schedule up to $ 10,000

Loss of Work  $100 per wk for 104 wks with a 7-day waiting period

Note: There is no longer a non-member schedule. Weekend members are entitled
to all Full member coverage if the weekend membership form is filled out in
full.

Craig Garfield, Solo Chairman

Sports Car Club of America

Washington DC Region

solochair@wdcr-scca.org