from Jon Jones, Zone 5 Representative…
For a bit of a departure this month, let’s take a look at the PCA insurance program.
We are fortunate to have an insurance program, negotiated annually with various carriers, that allows us the opportunity to hold all of those wonderful events we love from tours or drives, to autocross, Driver’s Education and Club Racing. Each of these moving car events must have an insurance certificate issued for each individual event.
Pop quiz – What’s a “moving car” event? Answer – any event in which a car is physically moving, indoors or out-of-doors, during the course of the event. For example, a tech session during which a car is on a lift is considered a moving car event. A concours is not considered a moving car event since the cars have ceased moving before the event begins.
Now back to the topic. Here’s how the process works: At least three weeks prior to the event, the event chair, or other responsible party, completes the online form at PCA.org to apply for the insurance certificate. The form requires dates, times, locations, start and end points and other pertinent information. The National Office then completes the certificate and sends it to the responsible party or parties. This certificate is the official record of who, what, when and where the insurance is in effect. This is very important – any deviation from the dates/times/locations as stated on the certificate likely means that the certificate is invalid and the participants are NOT covered.
Look at the new tour standards that were just issued. If someone leaves the tour group and/or route on their own decision, they are no longer covered by PCA insurance. That is because they are no longer on the designated route as published and explained at the driver’s meeting.
The insurance process is also a “closed loop” process. Here’s why – at the completion of the event, the event chair completes a post-event report with some basic information. More importantly, a designated person also completes an Observer’s Report. Combined, these reports provide feedback on the event, but also show the insurance company that we are providing due diligence in conducting our events by adhering to our own standards and procedures. The observer’s report guidelines require the designated filler-outer to be someone not affiliated with the organization or conduct of the event. Why? Simple. We need an independent report of the event. One that will tell us, and the insurance company, how the event went, warts and all.
Now for the warts. Recently we have had a few observer’s reports cross the transom that have raised a few questions. Now these questions are not meant to second guess or question anyone’s conduct of an event, but rather to identify areas that may need improvement or compliance with standards. The viability of our insurance program depends on our ability to make sure that we are doing things the way we tell the insurance company we are doing them. Any deviation from those standards could jeopardize the insurance program going forward.
The Observer’s Report, and the person filling it out, serves a vital link in the PCA insurance process. If you are asked to be an observer, we hope you keep these issues in mind, and thanks for helping out.
Each region has dinners, drives and other fun times for all of you, the members of PCA. Get out there and enjoy your friends and your Porsche!