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Is auto racing covered? Speeding in a vehicle is dangerous, and studies have shown that the faster a vehicle is going the greater the chances there will be serious injuries or fatalities in the event of an accident. (Photo: Shutterstock)

Americans have long had a love affair with cars, particularly fast ones. Many car enthusiasts collect muscle cars and compare horsepower, torque and other performance metrics with each other. Not only do Americans love performance vehicles, they like to go fast. There are Facebook groups for owners of certain cars where owners discuss speed and passing others. Hollywood has long realized this. From the “Cannonball Run” movie in 1981 to “The Fast and the Furious” franchise, which is on its ninth film with “Fast and Furious Presents: Hobbs & Shaw,” and two other movies planned for 2020 and 2021, we can’t get enough of fast cars.

However, speeding in a vehicle is dangerous. Studies have shown that the faster a car is going, the higher the chances are that there will be severe injuries or fatalities in the event of an accident. Therefore, insurance companies do not provide coverage for racing activities.

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Christine G. Barlow, CPCU

Christine G. Barlow, CPCU, is Managing Editor of FC&S Expert Coverage Interpretation, a division of National Underwriter Company and ALM. Christine has over twenty-five years’ experience in the insurance industry, beginning as a claims adjuster then working as an underwriter and underwriting supervisor handling personal lines. Before joining FC&S, Christine worked as an Underwriting Supervisor for Maryland Auto Insurance Fund, and as Senior Underwriter/Underwriter for companies Montgomery Mutual, Old American, Charter Group, and Nationwide. The publications Christine has written or edited include Personal Lines Unlocked: The Key to Personal Lines Underwriting, Personal Lines Endorsements Coverage Guide, Commercial Flood Insurance Coverage Guide, Personal Flood Insurance Coverage Guide, Homeowners Personal Lines Coverage Guide 5th Edition, Personal Umbrella Coverage Guide 2nd Edition, and Condominium Coverage Guide 2nd Edition, all published by the National Underwriter Company. Christine regularly writes for Claims Magazine and National Underwriter Magazine. Christine regularly presents and moderates webinars on a variety of topics and is an experienced presenter. Christine graduated cum laude from Towson University, Maryland, with a degree in Sociology/Psychology with a concentration in Gerontology.

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