PLNationaleasy
Under the ISO Personal Auto Policy (PP 00 01), the racing exclusion in Part A bars liability coverage in which of the following situations?
AWhile the auto is being driven at any speed above the posted limit on an ordinary public road during normal travel
BDuring any organized charity fundraising road rally conducted on public streets open to other traffic
While the auto is inside a facility designed for racing, to compete in or practice for a prearranged speed contest
DWhile the auto sits in a racetrack's spectator parking lot as the insured watches a race from the stands
Why this is the answer
Part A excludes any vehicle located inside a facility designed for racing, for the purpose of competing in, practicing for or preparing for any prearranged or organized racing or speed contest, or driver skill training or event. The exclusion does NOT apply to a vehicle being used at the scene of such a contest if it is not actually competing (e.g., a spectator's vehicle). Speeding or a rally on public roads is outside it because the exclusion applies only inside a racing facility; a driver-skill course held at such a facility is inside it. The exclusion appears in similar form across Parts B and D.
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