S yes 90% of the users of Interstate 95 are scofflaws .... most have no business driving their under maintained, antiquated cars and trucks (pickups in particular) at these speeds. Guess most of them are too old to have black boxes!
Sure, because me traveling at 85mph in the left lane where I'm not fighting with trucks, merging with cars entering, worrying about cars slowing down to exit and my focus only needing 180 degrees of coverage is so dangerous.
Much more dangerous than the typical 55mph driver who doesn't know they have the right of way when a car enters, who hits their brakes at the sight of a squirrel in the breakdown lane or a truck hitting the brakes 1/2 mile ahead, who has zero car control in emergencies, nevermind needing focus with 360 degrees of coverage. But hey, they never go over the speed limit, so they're safer.
Nevermind that I can do things at 85 in my old V that I can only do as safely in the Town Car at 55.
I think I will pass. After USAA got word of repeated rapid accelerations on state Highways and Interstate onramps, not to mention excessive vehicle overspeed from time to time, and remembering excessive driving generally considered unsafe for a certain NARROW two lane road, my rates would skyrocket!
Perhaps I made the mistake of not including those events that the kiddies set up in the parking lot or someone lollygagging around on an "open track" weekend.
At Brainerd, last year, we had a track day on the short course. This allowed us to run the drag strip, untimed. Flag drops, eyes at the finish. While most don't care for that, or was a unique occurrence and not a timed event.
As for my policy, it clearly stated that being in a timed event was not covered. Hit another car at any track event - not covered. If it were not toned and you hit something that wasn't a car, you were as covered as any other incident...
And I would expect you to be lollygagging everywhere in your cute little econobox at 55.