[ArthurS]

Here is a new highlight for everyone to think about. After researching the track day insurance questions that have bene floating about, I read about the racing rules and what is not covered.

Any property damage, bodily injury, personal injury, loss or damage to your vehicle "arising out of the participation in any prearranged, organized, or SPONTANEOUS:"

This meaning, if you do something stupid while street racing, like hitting a pole or someone else, the insurance company does not have to pay out. This would be especially bad for you when you cause injury to someone else, because the insurance company does not have to pay for their injuries. So now, whomever you injury, has to sue you directly to obtain money for their injuries. This means attached wages, loss of assets, etc.