[Chaplin]

Not to hi-jack this thread b/c I think both Tom and Cranky made very good points that I agree with, but how is the insurance issue implicated? It was my understanding that most, if not all, insurance policies expressly provide that the policy does not apply to any racing or track events and, therefore, the insurance co. does not have to cover any losses incurred on a track (at least my policy provides such). From a mere insurance perspective, wouldn't it be better for the masses if everyone cracked their car up on the track, where the insurance cos. are under no obligation to pay, rather than on the street, where insurance cos. have to pay?