daytona kid
Well-Known Member
I'm sure this has been discussed many times here before but my searches didn't yield anything, plus things change.
Let me first tell how this came up again with me.. While building my 68 charger (with an insurable, street legal "roll bar"), I did a good bit of researching on how I could best out fit the car thru out without accidently making it uninsurable or illegal on the street., which I'm sure most responsible people would go along with if you don't want law suits and/or worse, etc.. Most all I read was that a full "roll cage" isn't legal on the street, or insurable., in most, or a lot of states.. Fastfrwd 9 years, While I was at a car show the other day and saw a car with a full roll cage, which is not that unusual to see. So I thought I'd politely ask the guy who he had his insurance with and did they ok the cage. He replied "Hagerty, and yes they did ok the cage, and they insure it while I'm drag racing also".. I replied "I also have Hagerty, and when I got it I specifically asked if they could insure a full cage, and asked if they could insure while racing on a drag strip and told a definite no on both questions".. He said he moved from California to here in Tenn recently and had got the insurance in Cali. Before the argument got to intense I walked away. I called Hagerty the next day just to see if they had changed their policies/coverages since I got with them. I talked to 3 different licensed agents who all had a good laugh when I asked my questions. They all also confirmed my car is covered everywhere except racing on a track and shut down area., and it is covered in the pits and on the return road.
Here are my 3 questions.
1- Is a full roll cage street legal? If so, what state/s?
2- Is a full roll cage insurable? If so, with who?
3- Is drag racing insurable? If so, with who?
Any hard proof would be good. Like a link to info or a pic of your ins policy where it says what you say. No private identity info needs to be shown tho.
Thanks, DK
Let me first tell how this came up again with me.. While building my 68 charger (with an insurable, street legal "roll bar"), I did a good bit of researching on how I could best out fit the car thru out without accidently making it uninsurable or illegal on the street., which I'm sure most responsible people would go along with if you don't want law suits and/or worse, etc.. Most all I read was that a full "roll cage" isn't legal on the street, or insurable., in most, or a lot of states.. Fastfrwd 9 years, While I was at a car show the other day and saw a car with a full roll cage, which is not that unusual to see. So I thought I'd politely ask the guy who he had his insurance with and did they ok the cage. He replied "Hagerty, and yes they did ok the cage, and they insure it while I'm drag racing also".. I replied "I also have Hagerty, and when I got it I specifically asked if they could insure a full cage, and asked if they could insure while racing on a drag strip and told a definite no on both questions".. He said he moved from California to here in Tenn recently and had got the insurance in Cali. Before the argument got to intense I walked away. I called Hagerty the next day just to see if they had changed their policies/coverages since I got with them. I talked to 3 different licensed agents who all had a good laugh when I asked my questions. They all also confirmed my car is covered everywhere except racing on a track and shut down area., and it is covered in the pits and on the return road.
Here are my 3 questions.
1- Is a full roll cage street legal? If so, what state/s?
2- Is a full roll cage insurable? If so, with who?
3- Is drag racing insurable? If so, with who?
Any hard proof would be good. Like a link to info or a pic of your ins policy where it says what you say. No private identity info needs to be shown tho.
Thanks, DK
