Will the AAIA cover damages during an auto race?

The AAIA, or Auto Accident Insurance Act, typically does not provide coverage for damages incurred during auto racing activities. This is primarily because racing inherently involves increased risks and potential for accidents that are not reflective of standard driving scenarios. Insurance policies, including those under the AAIA, often have explicit exclusions for activities considered high risk, such as racing, to protect insurers from the liabilities associated with competitive driving.

While some racing events may take place on private tracks, that does not change the fundamental stance of the AAIA regarding coverage during racing activities. The focus of insurance is generally on everyday driving conditions, and racing events fall outside these parameters due to their nature. Safety measures, public highways, or private versus public tracks do not alter the insurance policies' exclusions for racing-related incidents. Thus, the correct understanding is that the AAIA does not cover damages that occur during an auto race.