Another note, if you have aftermarket wheels, remove the center caps. I lost both from the front wheels. They were a real pain to get replaced.

The suction cup mount from by GoPro works pretty well at popping them out.

 

Sounds like the right thing to do. I couldn't imagine totaling the G on my dime.

 

The issue with track day insurance is the deductible. It is generally very high. I have seen some in the $10K range. I just risk it at the track. If I stuff it into a wall, I will have my work cut out for me for a while to either find a shell or replace damaged parts. A few of my buddies I track with have stuffed their cars into walls. The most expensive part is paying the track. A word of advise, don't wreck at Barber. Walls cost 2K per panel (doesn't matter if they just get some paint on them). And the grass isn't free either.

 

I've purchased insurance from Lockton in the past. I haven't needed it, but I didn't want to chance my regular policy not covering if something happened.

HPDE Insurance | Lockton Motorsports

 

Well, it depends on what your car is worth and how you like your stuff repaired. My car has a blue book value of about $30k (2013 X Coupe). I would much rather pay a high deductible and have everything done the right way than have my car frankensteined back together. If you total your car, you get a new one if you have insurance, if you don't you are SOL. I would imagine an insurance policy would cover any damage caused due to an accident as well, that is generally how insurance works.

Edit: I just looked it up and the deductibles I saw were 10% or 15% of the car's value, a far stretch from $10k. I would certainly rather pay a $3k deductible than tackle the repairs on my own. It doesn't take long at all to get up to $3k in damage, repaired correctly by a professional.

 

Sorry if my post came off like it wasn't for anybody. There are some insurance companies I have gotten quotes from that told me the deductible would be 10K. It is an extreme example as all of them are not that high.

For me, I bought my car for 14K. Granted, I don't want to lose 14K, but I also don't feel the need to pay a decent amount for the insurance if I can just fix the car myself without it being "frankensteined" together.