Ron Fellows Spring Mountain Insurance $8k or $2k?

pumpkinodin8844

pumpkinodin8844

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I was just reminded by someone under another thread about the $8000 insurance deductible that can be purchased down to $2000. I would just like hear from the lucky individuals who have already experienced the course if you spent the extra dollars to get the $2000 deductible and if it was something that you would recommend as a need to do? My understanding is there has only ever been one person to go off track and damage a car.
 
I participated in the 3 day course in early March, and I have to say I struggled with this question. $200 is not a lot of money, but then again who wants to spend more than needed. If you're only doing the 2 day course, there is no reason to pay the supplemental to reduce the deductible. If you're doing the 3 day course, it really comes down to whether the thought of $8K keeps you from fully enjoying the experience. In my case, I did not think so. As a result I did not take the additional insurance. Some in my class did....no one used it. In fact no one left the track, though a few spun on the track. It's a personal choice, no right or wrong approach.
 
Been there and done that.

Having no idea what to expect because I have never been to a race track, I bought down the $8000 deductible to $2000 for $200.

In the end I didn't need it. I almost parked my C7 on the track when I couldn't cut left in time but other than that all was good. A couple of guys in my class did spin out but they never left track.

The track opens into desert sand, small but sharp rocks and sagebrush. There are berms. The caution from the instructors was that if you leave the track at 100mph you probably won't flip the car but you will do at least $2000 in damage to the undercarriage when the rocks rip into the tires and start crushing the cooling heatsinks and brake components.

Your call. After spending so much, another $200 just didn't seem to matter to me.

Signed,
Lived to tell the tale
:coolgleam:
 

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It's a vey isolated case. More people get hit my lightning.
You have to respect the car, likely some show off.
 
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I just got back this morning , and I was surprised at how many people took out the insurance, it was about half the class.

I think part of it was nervousness of not knowing what to expect and whether they had the ability to go to the limits that they would push us. And for those by paying the 250 being less nervous and able to sleep then it probably was well worth it to them. During the 2 days we had one guy ( he was a di#k ) , toast a set front brakes ( not 100% sure how he did it on the wet skid pad ) and then go off course all 4 wheels off. Also on day 2 one other driver went a bit wide and had 2 wheels in the dirt ( which is more like BIG gravel and desert dust ). After every event the car was taken off the track and to the garage for inspection, for a safety inspection.

None of these events were cause for them to come back to the drivers for any sort of claim. And the main instructor JJ said that a lot of times it is just plain mechanical failure which they push back on to GM as a warranty claim ( in 10 years 5 blown engines ). It was something like only 3 or 4 times in the last 5 years have they had to invoke the deductible on a driver.

So I think you'd have to REALLY mess up big time to have a claim against you.
 

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