RAPTOR ASSAULT INSURANCE?

Its for suckers!! Not needed.

You really have to try to screw up to hurt the truck in the day. However, i paid the $90 for peace of mind. I'd do again. $90 is better than $55k.

Yeah I too paid it though I think you can very safely not. I bottomed their truck hard, popped open glove box. It wouldn’t close. But they don’t even look at the trucks once you get back. I truly doubt they’d hold you responsible even if you did damage it. They have to carry their own insurance.

As all others have said. If you like to push it yes otherwise not worth it.

I'll do it when I go. I'm the "hold my beer" guy. Regardless, Murphy is always watching.

The thing that sucks (and it’s designed specifically this way), is that even if you do take insurance, you will still be naturally cautious so you don’t have to cover the deductible.


The only thing I can think of happening is you rear end someone in the dust cloud out in the Baja area. If this happens, insurance won’t save you much.

Had the deductible been $500 or even $1k, I’d say definitely buy it. But at $5k, I just can’t buy it based on principle. This must be a cash cow for them! And they probably adjust the repair to be $4800 and not hit the deductible.

I doubt they’ve ever had to pay for a truck’s repairs more than once or twice ever!

Chance of insurance being a good buy:

• You were in an accident
• Accident was your fault (not caused by vehicle defect or instructor doing something stupid, someone else entering the track incorrectly, etc.)
• The repairs are greater than $5,090.00 by enough to justify paying for it
• Your own insurance doesn’t cover it (I know nothing about this last bullet but would read the rental car coverage on your policy)

Has anyone been in an R/A class where someone damaged the truck??

I’m going tomorrow for Monday course. Signed up for liability - primarily because of NYC syndrome. Not talking Covid-19 Cuomo but “Not Your Car” - I don’t know a human who drives a rental nicely. I’ll close with this...know what the difference between your Raptor and a rental car is? You’ll take the rental off road!

Thanks for all the feedback! The cheap ass in me, especially after reading the thoughts says don’t do it, but then in the grand scheme of things, what’s another $90?

Not worth it. Almost impossible to cause over 5k damage.

df4801 said:

Not worth it. Almost impossible to cause over 5k damage.

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haha, what if you are the guy to roll it down a hill?