Will Track Driving Void Your Warranty? The Real Answer with Sam D’Arc

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What really happens to your warranty and insurance when you take your car on track?


In this episode, Dave sits down with Sam D’Arc, COO of a multi-state auto group and former insurance executive, to unpack one of the most confusing and anxiety-inducing topics for amateur track drivers: how racing and track driving affect your vehicle’s warranty and insurance coverage.


Sam brings a rare dual perspective—from inside car dealerships and insurance carriers—to explain how manufacturers (OEMs), dealerships, and third-party warranty companies actually evaluate track use. They discuss why some cars seem “track-friendly” on paper, how modifications change everything, and why social media posts can quietly work against you during a warranty or insurance claim.


If you’ve ever wondered whether a single-track day could come back to haunt you—or how transparent you should be with your dealer—this conversation will help you make smarter, lower-risk decisions before heading out on track.


 


What You’ll Learn

• How manufacturers really view track driving vs. racing
• When a warranty claim is most likely to be denied
• Why modifications matter more than a single track day
• How insurance companies investigate track-related claims
• The role dealerships play in advocating for (or against) customers
• Why social media posts can impact warranty and insurance decisions
• The difference between mechanical failures and physical damage
• How to assess risk before tracking a car you still owe money on
• Why transparency with your dealer can actually help you
• When track insurance becomes a non-negotiable

Ideas Worth Sharing


“Track driving isn’t always racing—but warranties don’t always see the difference.” – Sam D’Arc


“If you’re not prepared to lose the car, you shouldn’t put it on track.” – Dave


“Modifications don’t just change performance—they change responsibility.” – Sam D’Arc


 


Resources


Sam D’Arc (  / samdarc  )


Autobahn Country Club (https://autobahncc.com/)


BMW Performance Driving School (https://bmwperformancecenter.com/)


Porsche Experience Center (https://www.porschedriving.com/)


Protect your car and enjoy the track with OpenTrack insurance
 Get your quote at https://Drivesport.co/insurance


 


Protect your car and have more fun at the track with OpenTrack insurance.
Get your quote at https://Drivesport.co/insurance