Track Day / HPDE Insurance

[payne]

To me, it depends on the track and the group you're running with.

IMHO, the biggest risk to balling up your car is someone with a shoddily built 'Hoonagan' car oiling or watering down the track and not getting flagged in time.

If you're running with a bunch of OEM and lightly modded sportscars, low risk. If you're running will all sorts of shade tree builds, much higher risk.

The question to ask, given the 10% deductible, is what sort of impact could you have that costs more than say $10k to fix? If you've got a good cage and the track has good runoffs, it's pretty hard to do $10k of damage unless you roll the car.