Track Days and Insurance BS

[EFI]

It is good to disable the car's crash detection and alerting system. Because we don't want a bump into the tire wall to trigger local first responders to descend on the scene and shut down track activities while things are explained and sorted out. I'm still unsure how to do that. Perhaps it's just pulling a certain fuse? Sigh, another thing to remember to set back before leaving the track, because I do want that enabled while driving home, especially if a little tired.

There's a 28 page thread on disabling the onboard modem with communicates ALL this information outwards from the vehicle.

https://www.mustang6g.com/forums/threads/4g-modem-disabling-instructions.146860/

I do this along with the phone before even getting to the track grounds.

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[GTP]

28 page homework assignment? Can't we jump to the answer?

 

[Diegosuave]

There's a 28 page thread on disabling the onboard modem with communicates ALL this information outwards from the vehicle.

https://www.mustang6g.com/forums/threads/4g-modem-disabling-instructions.146860/

I do this along with the phone before even getting to the track grounds.

+1

I’m glad I got a '16 and dont have to pull a fuse or the modem

 

[Buldawg76]

I am not sure if vehicle without Sync nav system are capable of having crash detection as a standalone feature but I do know that you can disable the 911 alert system in the Sync screen menus. I don't remember exactly where it is in the system, but I know I have mine turned off and it shows that it is disabled on the home screen at top right corner. I assume that with it off it prevents any 911 alert going out to first responders but not 100% sure. My stang does not have the driver assist features ( lanes assist, preemptive crash intervention and adaptive cruise) that have the added box attached to the rear view mirror so that system may operate independent of the Sync 911 system.

BD

 

[RTFM]

28 page homework assignment? Can't we jump to the answer?

The modem is next to the rear left light. Access it from the trunk and remove the 2 coax cables. Extra point if you can remove the 3rd cable for power. It is very tight.

If you look at your manual, it will also indicate which fuse is used for telematics. You can also remove that one.

Check for fuse and coax every time you get your car back from the garage. The mechanic might have ‘fixed’ it.

 

[GTP]

I think I will look up which is the tele fuse, pull that, and then see if the car will unsuccessfully check for SW update. Seems like that procedure could work for track days, yes?

 

[EFI]

Seems like that procedure could work for track days, yes?

Correct. The easiest way is if you have the FordPass app you won't be able to connect to the vehicle and check its status.

 

[RTFM]

I think I will look up which is the tele fuse, pull that, and then see if the car will unsuccessfully check for SW update. Seems like that procedure could work for track days, yes?

No clear answer to that but the 28 pages that you might want to read contain stories of people measuring frequency waves at the antenna after toggling various things.

 

[young at heart]

I asked my broker to shop my home, auto and umbrella insurance policies for better rates. During the process, several underwriters apparently flagged my 2022 Mach-1 as "track capable" and that became a problem for them. They wanted to know my intended use and told them "almost exclusively pleasure driving with one or two HPDE/track days per year".

One or more insurers declined to even provide quotes, and the other that did inserted a "racing" event exclusion clause: they won't cover the track day (understandable) BUT WON'T EVEN COVER THE DRIVING ON PUBLIC ROADS TO AND FROM THE TRACK DAY EVENT, neither under the auto policy nor the umbrella policy.

I buy track day insurance and told them, but apparently that isn't good enough.

What's other people's experience?

I guess I must be missing something here.

How did the underwriters flag your car as “track capable”? All they do is input the VIN into their system and it spits out a rate. They don’t do a deep dive into associated promotional material.

 

[Cobra Jet]

I guess I must be missing something here.

How did the underwriters flag your car as “track capable”? All they do is input the VIN into their system and it spits out a rate. They don’t do a deep dive into associated promotional material.

The VIN can be in many other source systems. If it’s in one, it’s in many. If the OP revealed any track use OR that VIN was at some point covered by “track insurance” at an event - it’s only takes that one single instance of the VIN being logged and accessible now to many entities.

Let’s face it - ALL of our info is accessible everywhere. Does anyone ever read the fine or finer print when signing up for anything or accessing this or that online? Heck even this site has all sorts of disclaimers saying how (Y)OUR info is shared and diseminated to XYZ entities blah blah blah blaaaaaaaah. As soon as you enter any of (Y)OUR info online into ANY form, forum, social media, email site, any business forms, etc - it’s LOGGED. It’s SHARED. it’s SOLD. it’s TRADED. It’s in some Database that others all can get access to based on the type of info needed for XYZ Business Entity searching for it.

(Y)OUR VIN is no different than (y)our damn SS# that is in multiple databases that is tied to other databases…. And it goes on and on.

If the VIN is out there 1x and has any history (Insurance, Accident, Warranty Denial, Theft, Salvage Recovery, Rebuilt, DMV activity for registration/tags/taxes, TRACK USE sign up)…. Trust all of us, some other entity will hit on the same flagged or documented notes tied to that VIN.

Just because there’s thousands of Auto Insurance Companies with their own policies, quotes, coverage - doesn’t mean they don’t log into a central (or more than 1 central) industry database that contains any history tied to that VIN. It’s just fact.

Somehow at some point the OP’s VIN has notes or a tie-in that the car is or was used at a track setting. If the OP revealed that in ANY prior discussion with his existing Auto Ins. Co., then it was documented. If the OP signed any waivers or signed for Track Insurance at a track and the VIN is input or saved into any database, it was logged.

I mean, c’mon we’re not in the 50’s anymore folks - data is not on some paper pad stuffed in a filing cabinet…. (Y)OUR data is EASILY accessible via multiple means AND did you think (y)our data is “secure” or wasn’t sold off to some other entity?? If you think your data just sits in some locked up little vault with no one else accessing it - your head has been in the sand for far too long.

If the OP calls another Ins. Co. to get a quote and the AGENT brings up the Track Use talk first - ask the Agent why the question is being asked. If the Agent states the car IS being used on a track, ask them how do they know if the car is or isn’t being used in such a setting…. If they deny coverage for a quote - ask them to send a copy of why the request for coverage was denied. Anytime you are denied coverage or dropped from coverage, they have to provide a reason why coverage was dropped or denied.

 

[GTP]

If the OP calls another Ins. Co. to get a quote and the AGENT brings up the Track Use talk first - ask the Agent why the question is being asked. If the Agent states the car IS being used on a track, ask them how do they know if the car is or isn’t being used in such a setting…. If they deny coverage for a quote - ask them to send a copy of why the request for coverage was denied. Anytime you are denied coverage or dropped from coverage, they have to provide a reason why coverage was dropped or denied.

In my experience the company asks all the questions and answers none of mine.

Corporations have all the info on us, but what goes on behind their closed doors are closely (and legally protected) guarded secrets.

 

[Buldawg76]

Correct. The easiest way is if you have the FordPass app you won't be able to connect to the vehicle and check its status.

I can verify with telematics fuse pulled and power to module disconnected that fordpass is no longer operational.

BD

 

[Buldawg76]

The VIN can be in many other source systems. If it’s in one, it’s in many. If the OP revealed any track use OR that VIN was at some point covered by “track insurance” at an event - it’s only takes that one single instance of the VIN being logged and accessible now to many entities.

Let’s face it - ALL of our info is accessible everywhere. Does anyone ever read the fine or finer print when signing up for anything or accessing this or that online? Heck even this site has all sorts of disclaimers saying how (Y)OUR info is shared and diseminated to XYZ entities blah blah blah blaaaaaaaah. As soon as you enter any of (Y)OUR info online into ANY form, forum, social media, email site, any business forms, etc - it’s LOGGED. It’s SHARED. it’s SOLD. it’s TRADED. It’s in some Database that others all can get access to based on the type of info needed for XYZ Business Entity searching for it.

(Y)OUR VIN is no different than (y)our damn SS# that is in multiple databases that is tied to other databases…. And it goes on and on.

If the VIN is out there 1x and has any history (Insurance, Accident, Warranty Denial, Theft, Salvage Recovery, Rebuilt, DMV activity for registration/tags/taxes, TRACK USE sign up)…. Trust all of us, some other entity will hit on the same flagged or documented notes tied to that VIN.

Just because there’s thousands of Auto Insurance Companies with their own policies, quotes, coverage - doesn’t mean they don’t log into a central (or more than 1 central) industry database that contains any history tied to that VIN. It’s just fact.

Somehow at some point the OP’s VIN has notes or a tie-in that the car is or was used at a track setting. If the OP revealed that in ANY prior discussion with his existing Auto Ins. Co., then it was documented. If the OP signed any waivers or signed for Track Insurance at a track and the VIN is input or saved into any database, it was logged.

I mean, c’mon we’re not in the 50’s anymore folks - data is not on some paper pad stuffed in a filing cabinet…. (Y)OUR data is EASILY accessible via multiple means AND did you think (y)our data is “secure” or wasn’t sold off to some other entity?? If you think your data just sits in some locked up little vault with no one else accessing it - your head has been in the sand for far too long.

If the OP calls another Ins. Co. to get a quote and the AGENT brings up the Track Use talk first - ask the Agent why the question is being asked. If the Agent states the car IS being used on a track, ask them how do they know if the car is or isn’t being used in such a setting…. If they deny coverage for a quote - ask them to send a copy of why the request for coverage was denied. Anytime you are denied coverage or dropped from coverage, they have to provide a reason why coverage was dropped or denied.

This is why I use DuckDuckGo as a search engine and always decline all cookies when i visit websites, it may not really make any difference as to my info being gathered/stored but it makes me feel warm and fuzzy.

What really burns me up is the new trend of all our health info being digitally stored and because of that my health care providers out sourced billing service company was recently hacked so now my family's health info is compromised and we received several letters from said company on how to enroll in identify theft protection from another out sourced company, so the cycle never ends with (Y)our info being digitally stored for everyone/anyone to access and hack.

Life in the digital age SUCKS.

BD

 

[young at heart]

The VIN can be in many other source systems. If it’s in one, it’s in many. If the OP revealed any track use OR that VIN was at some point covered by “track insurance” at an event - it’s only takes that one single instance of the VIN being logged and accessible now to many entities.

Let’s face it - ALL of our info is accessible everywhere. Does anyone ever read the fine or finer print when signing up for anything or accessing this or that online? Heck even this site has all sorts of disclaimers saying how (Y)OUR info is shared and diseminated to XYZ entities blah blah blah blaaaaaaaah. As soon as you enter any of (Y)OUR info online into ANY form, forum, social media, email site, any business forms, etc - it’s LOGGED. It’s SHARED. it’s SOLD. it’s TRADED. It’s in some Database that others all can get access to based on the type of info needed for XYZ Business Entity searching for it.

(Y)OUR VIN is no different than (y)our damn SS# that is in multiple databases that is tied to other databases…. And it goes on and on.

If the VIN is out there 1x and has any history (Insurance, Accident, Warranty Denial, Theft, Salvage Recovery, Rebuilt, DMV activity for registration/tags/taxes, TRACK USE sign up)…. Trust all of us, some other entity will hit on the same flagged or documented notes tied to that VIN.

Just because there’s thousands of Auto Insurance Companies with their own policies, quotes, coverage - doesn’t mean they don’t log into a central (or more than 1 central) industry database that contains any history tied to that VIN. It’s just fact.

Somehow at some point the OP’s VIN has notes or a tie-in that the car is or was used at a track setting. If the OP revealed that in ANY prior discussion with his existing Auto Ins. Co., then it was documented. If the OP signed any waivers or signed for Track Insurance at a track and the VIN is input or saved into any database, it was logged.

I mean, c’mon we’re not in the 50’s anymore folks - data is not on some paper pad stuffed in a filing cabinet…. (Y)OUR data is EASILY accessible via multiple means AND did you think (y)our data is “secure” or wasn’t sold off to some other entity?? If you think your data just sits in some locked up little vault with no one else accessing it - your head has been in the sand for far too long.

If the OP calls another Ins. Co. to get a quote and the AGENT brings up the Track Use talk first - ask the Agent why the question is being asked. If the Agent states the car IS being used on a track, ask them how do they know if the car is or isn’t being used in such a setting…. If they deny coverage for a quote - ask them to send a copy of why the request for coverage was denied. Anytime you are denied coverage or dropped from coverage, they have to provide a reason why coverage was dropped or denied.

I‘m sure your treatise on VIN data is correct, and it‘s all pretty well known and understood. I honestly didn‘t have the bandwidth to parse it all.

But it‘s not what the OP said. He stated the underwriters said his car was “track capable”. That’s marketing speak and doesn’t normally pop up in a VIN search. Easy to understand how his VIN could expose previous track registration, etc. But I don’t see the jump to the VIN describing the car in marketing terms.

 

[syntor_z]

Good info in the replies.

Funny, in the meantime another agent/broker (#2) was able to get me a competitive quote *through the same company* that denied with broker #1. Even knowing about the limited track use. WTF...

So I'll probably go with that one. And future questions on use will be "pleasure only".

Appreciate all the other tips shared here too.

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