I belong to a car club and we get togetyer on a public parking lot once a month to talk about our cars and brag about our investments. (see below)

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Nov 28, 2011

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Milton, FL

Asked on 11/28/2011

I belong to a car club and we get togetyer on a public parking lot once a month to talk about our cars and brag about our investments. (see below) My question is does my standard liabilty coverage extend to these events? If not why and what coverage would?

Answer given on November 29, 2011

Most auto insurance policies will cover your vehicle when being used for events with a car club. However, if you participate in any timed events, such as a race against another car or timed individually, such as an autocross event, the insurance does not apply for damages to your car or injuries caused by you.If your club is an organized club, it would probably have insurance for any club event which would include liability for damages caused by its members. It would not cover individual members and their cars, only for third party losses.Talk to the officers of your club to see if they have this type of insurance.You should also talk to your insurance agent to confirm the policy you have will cover you for nontimed events. You can also review your auto policy, checking under exclusions or limitations. You should also be sure your club has permission to use the private parking lot.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption