What happens if...........
What happens if...........
Author
Discussion

Rs2oo

Original Poster:

2,209 posts

222 months

Saturday 23rd October 2010
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.........im doing a track day and driving within my capabilities, safely etc and some tt out-brakes himself and smacks into me, totally his/her fault and I dont have track-day insurance ?

surrey7er

3,944 posts

293 months

Saturday 23rd October 2010
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You will pay for your repairs. You will not be able to claim off the other fella. If you dont like that, dont go out on track. It's that black and white mate...

James_N

3,286 posts

258 months

Saturday 23rd October 2010
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unless the bloke who smacks into you offers to pay for repairs, but i guess if he doesn't, your stuffed!

thegreenhell

22,265 posts

243 months

Saturday 23rd October 2010
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It's every man for himself in that regard. If you're really worried about it either get insurance or don't go at all. Even with insurance you'll likely have a hefty excess. Saying that, car to car contact is very rare on trackdays, and you can mitigate further by choosing carefully which organisers you use. The better organisers such as Bookatrack, Goldtrack and Lotus on Track don't tolerate tttish driving on their days.

We're all human though, and all make mistakes from time to time, so even on the best organised day the worst could happen. What's to say it won't be you that makes a mistake or suffers a mechanical failure and drives into someone else? What would you do then?

BertBert

20,987 posts

235 months

Saturday 23rd October 2010
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In the debates we've had about this before there has been mention of claims made by people against the tittish driver on the basis of negligence or gross negligence. I'm not sure how valid these are though. Certainly the safest(!) approach is to assume than you pick up the tab for all damage to you or your car, however caused.

Bert

Adam205

821 posts

206 months

Saturday 23rd October 2010
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Thats why its usually best to head for trackdays that encourage similar cars to yours. a) other people will likely have an appreciation of the value of the cars out there, b) speed differentials and therefore likelihood of contact are reduced.

Of course there is still the chance there'll be a muppet...

MrGman

1,662 posts

230 months

Saturday 23rd October 2010
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This video always reminds me that no matter how careful you go the worst can still happen, and you can't even say it was bad driving, just a very unfortunate error of misjudgment.

http://www.youtube.com/watch?v=r7aigXYP8Mw

shim

2,051 posts

232 months

Sunday 24th October 2010
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Case law where it exists seems to say you pay for your own car in the event of any damage. I am sure though there could be the circumstance where a judge would rule in your favour. Imagine the extreme case of a guy who you've pissed off driving out of the pits and deliberately driving into the side of your car across the track, or say a guy who films himself driving blindfold around a circuit and manages to take out a row of cars coming into a bend!

But unless you can stump the cost of petals in a situation where you think there is a negligence cAse go prepared to foot the bill for your car.

Number 7

4,113 posts

286 months

Sunday 24th October 2010
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And to take the question to its ultimate conclusion, I assume that if said perpetrator, through their bad driving, manages to injure or kill another driver, he also gets away without any penalty?

T180985

133 posts

192 months

Sunday 24th October 2010
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Number 7 said:
And to take the question to its ultimate conclusion, I assume that if said perpetrator, through their bad driving, manages to injure or kill another driver, he also gets away without any penalty?
that would become a police matter, causing damage to a car which you have signed a disclaimer saying your aware might happen and someone killing you are too very different matters

GreigM

6,740 posts

273 months

Sunday 24th October 2010
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I think the real answer to this is that no-one is sure, its never been tested in UK law.

The disclaimer you sign is meaningless, and if you read the detail in many they don't actually say what most people believe - many of them are ensuring you don't sue the organiser and/or circuit and say nothing of participant on participant contact. I'm also not sure if a form signed between parties A and B can indemnify against actions between parties B and C.

I think the real reason you are on your own is because while theoretically you may be able to take court action against someone who crashed into you - the chances of you recovering enough cash to cover your legal costs alone would be very very slim.

shim

2,051 posts

232 months

Sunday 24th October 2010
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there is legal case history as trackdays are classed as motorsport as you are doing uit on a track and motorsport is known to be dangerous and you do so at your own risk

the case of willfull damage or negligence however is another matter

GreigM

6,740 posts

273 months

Sunday 24th October 2010
quotequote all
shim said:
there is legal case history as trackdays are classed as motorsport as you are doing uit on a track and motorsport is known to be dangerous and you do so at your own risk

the case of willfull damage or negligence however is another matter
I don't believe there is case history - its an urban myth, I've asked the question repeatedly and no-one can reference the case anywhere

Steve H

6,983 posts

219 months

Sunday 24th October 2010
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I don't think there is much actual precedent but the reason for this is precisely because motorsport is dangerous and you are assumed to acknowledge this so little or nothing has ever had a strong enough case to get to court.

Bottom line is 99% going to be as per the second post on the thread - your cars damage is your problem but fortunately it is a very rare situation.

shim

2,051 posts

232 months

Sunday 24th October 2010
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GreigM said:
shim said:
there is legal case history as trackdays are classed as motorsport as you are doing uit on a track and motorsport is known to be dangerous and you do so at your own risk

the case of willfull damage or negligence however is another matter
I don't believe there is case history - its an urban myth, I've asked the question repeatedly and no-one can reference the case anywhere
If I remember correctly the precedent goes back to "violenti non fit injura", Brooklands vs Hall 1933 1kb205 and also Wooldridge vs Sumner 1963

I'm looked these up some time ago and it seems like participants and even spectators who take part in inherently dangerous sports will obligate a case if there is willfull negligence for the safety of others and no case if it is just a loss of control etc

Edited by shim on Monday 25th October 00:03


Edited by shim on Monday 25th October 00:04


Edited by shim on Monday 25th October 18:12

Some Gump

13,016 posts

210 months

Monday 25th October 2010
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MrGman said:
This video always reminds me that no matter how careful you go the worst can still happen, and you can't even say it was bad driving, just a very unfortunate error of misjudgment.

http://www.youtube.com/watch?v=r7aigXYP8Mw
IMO this video shows why you need to pick days carefully - having done a decent number of track days, I'd say 8 out of 10 people driving beyond their limits will be doing so in a scooby or evo. They can then fly arund all day understeering through the electronics, but then it all gos wrong and you get a red flag.

I'm not trying to troll here, but the advice above by others - "pick your day" really rings true. Days with a lot of special metal (exotic stuff), or caterhams or elises etc seen to have far fewer offs than days with high powered tin tops. IMO it's because small cars make peope feel vunerable, and with no aids people tend to scare themselves in session 1 and calm down. Meanwhile, the big barge brigade can drive badly, but still quickly, and the overconfidence sometimes outstrippes grip, and then metal gets rearranged.

Rs2oo

Original Poster:

2,209 posts

222 months

Monday 25th October 2010
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Im not overly concerned just wondered what the general moral stance is if theres an accident and if the organisers help out. Thanks for the replies.

21TonyK

13,043 posts

233 months

Monday 25th October 2010
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Rs2oo said:
Im not overly concerned just wondered what the general moral stance is if theres an accident and if the organisers help out. Thanks for the replies.
I can guarantee the "moral stance" will be "you're on your own mate!". I'm insured 99% of the time anyway but as a minimum I'd make sure you have AA cover to get you home if the worst happens.

Steve H

6,983 posts

219 months

Monday 25th October 2010
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AA will cover it for a breakdown but not accident damage, most of the others won't cover any on-track issues.

Evangelion

8,460 posts

202 months

Monday 25th October 2010
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MrGman said:
This video always reminds me that no matter how careful you go the worst can still happen, and you can't even say it was bad driving, just a very unfortunate error of misjudgment.

http://www.youtube.com/watch?v=r7aigXYP8Mw
Apologies for going slightly off-topic, but did anyone see the video that one linked to next?

http://www.youtube.com/watch?v=phf_sLQ000I&NR=...