I just looked at scca.com, and what it says raises a couple of interesting questions in my mind:
Insurance
All SCCA members are protected with the best event-related insurance program in motorsports at no additional cost. Properly registered SCCA members who are accidentally injured while participating at SCCA events are covered for up to $1 million in medical expenses. SCCA members, in certain circumstances, are also provided with limited third-party liability insurance coverage at most events. Contact the SCCA Risk Management Department at the national office for details.
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