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)

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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...

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UPDATED: Nov 28, 2011

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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.


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