Reality of track events: you sign the waiver= you wreck, the tracks not responsible, you are. As long as the track and event officials follow event protocol, your on your own. We've seen enough of that firsthand.
We've had wrecks at our RA events and ALL so far that DID submit claims have been covered for the repair or covered for the car's value. State farm included.
HOW?- events that are 'not timed' or 'non-competition' like ours and other "HPDE" (High Performance Drivers Education) currently fall into a narrow loophole that allow for coverage in case of incident.
However, there's no guarantee what will happen as far as subsequent claims & rates go with a respective carrier for those that do claim an incident while tracking.
Keywords insurance companies will look for of an event description where a car has been wrecked are "timed" or "competitive". ....Drag race is self descriptive, as is road racing.
Car vs. car we've only seen once; and ultimately its up to the drivers involved to figure it out.
This company offers track insurance, but its specific as to whats covered and when its active...
http://www.wsibinsurance.com/online/de.shtml
oh yeah... Nice pic Murray and good riding with you that day.