Quote:
Originally Posted by AutoX Z
There is track/race insurance but its usually so ridiculously expensive its not worth it. Just be safe and always drive within your limits.
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The problem is no moment on the track is an absolute. I have known at least a dozen folks who suffered extensive damage while "learning" to drive the courses for the first time. Several of them put their cars right into the wall or spun and flipped sometimes with or without an understanding as to what they did wrong. And those several folks totalled their respective car and were left with 30 to 70K debts they are still climbing out of as the insurance companies all balked.
In addition once this happens it becomes more difficult for you to have a bank give you a car loan down the line because you become tagged as a financial risk. And the insurance companies are either more likely to place you into their highest risk category for about 7 years which will cost you an arm and a leg OR refuse even selling you insurance after a race related accident as well.
Racing is ALWAYS a high-risk gamble and to think an accident would not likely happen to you is a complete fabricated delusion. Unless a person has a sponsor or just doesn't give a sh*t about being in the poor house or laid up in a hospital or wheelchair the remainder of their life, racing is a crap shoot that just isn't worth the lifetime of woes you can cause for yourself.