by Steve Dowd
NEW INSURANCE PROCESS
As VP of PNWR, one of my responsibilities is handling
the insurance program for the club. As most of you know,
PCA National provides liability insurance for all of our
events that include moving cars.
This year PCA National has a new insurance carrier and
with that come some new insurance requirements and processes
that we need to follow. If we don't follow these, we risk
the loss of insurance coverage and cancellation of our
This year moving car events are driver's education, driver's
skills, autocross, tours and technical sessions where cars
will be on a hoist. As the insurance chair, I apply for
and receive the coverage forms from PCA National. Each
event chair should have a paper copy of this coverage form
with them at the event. They are provided to me as an electronic
PDF file, which I will forward to each event chair. This
needs to be printed (in color!) and carried with them at
the event. For those events that need a copy forwarded
to the property owner, I will continue to do so.
Anyone attending an event that is covered by this insurance
MUST sign the waiver. This applies to those that are participating
as well as those just viewing. This waiver is available
via a link on our website, or from the PCA National website,
as a PDF document. Each event chair is responsible for
providing copies of the waiver at their event. It must
be printed in color, as the insurance company wants the
red wording to be printed in red.
Once the event has finished, all waivers must be returned
to me. I keep all the waivers in the same notebook that
I keep copies of all insurance correspondence. These waivers
must be kept for at least 4 years and one month, so it
is very important that they be returned to me. Those events
that fail to do so will not get insurance for future events,
which will mean the event will have to be cancelled.
New this year is a new process for minor children, those
under 18. There are 2 different waiver forms that must
be used, depending on the activity. Again, these forms
are available on the club website, or the PCA National
website, as PDF documents. These must be printed in color.
If the minor child is attending any event but not riding
in or driving a car (this does apply to Tours ), the Minor
Observer's waiver must be filled out. This form requires
that ONE parent sign and date this form, regardless of
marital status or custody agreements.
If the minor child is attending any event and is riding
in or driving a car, the Minors in Restricted Areas, Driving
or Riding waiver must be filled out. The PCA General Counsel
interprets this to mean any minor child riding in a car
but not in a tour, which for our region means either autocross
or driver's skills events. This form requires that BOTH
parents sign and date this form, regardless of marital
status or custody agreements.
The preceding two Minor Waivers need only be filled out
once per calendar year. Please plan on filling it out prior
to the first event you plan to attend, bring it to that
event and hand it to the event organizer (the person handling
the waivers for all attendees) who will include it with
all the other signed waivers for that event and will return
them all to me. Once this is completed with all required
signatures and returned to me, I'll keep the waiver in
my notebook. A report of all completed waivers will be
made available to each event chair just prior to each event
so that a minor child can be admitted to the event.
If the minor child is actively participating in the event,
an additional form must be completed, the Minor's Assumption
of Risk Acknowledgment. This must be completed at each
event attended, and must be witnessed by a non-family member.
Again, bring this completed waiver to the event, hand it
to the event organizer. The event organizers should include
this waiver with all the other signed event waivers and
be returned to me. Any of these forms that are collected
at an event must be forwarded back to me for inclusion
in the notebook of completed forms.
Thank you, in advance, for completing all the required
forms. I realize this is a change from the previous process
and may take some getting used to, but please help me comply
with PCA National's requirements.
- Steve Dowd