spearfish25

I'm going to look into Liberty. Lockton's insurance is, as you guys have said, aimed at the catastrophic wreck. The deductible is 10% of the insured value...about $3k for our cars. Mike, I think you were fortunate with only $3.5k in damage. My fender bender this winter came to a cool $13,500 when the car was finally fixed. It doesn't take much to make the bill go through the roof.

Now granted, a total loss requires a really big problem at the track day. I don't expect I'd do that on my own accord. But there are plenty of stories where the other cars on track destroyed an otherwise intact car. I just read a story about a 911 that spun and went off, but was undamaged. Then two other cars went off and plowed into it. The short of it is that you can't plan for everything. You're either financially sound enough to 'self-insure' your own car, you're a gambler and feel the odds are in your favor, or you don't like risks or can't subsidize a big wreck and need the insurance companies. For now, I fall under option 3.

Good to hear Lockton is a viable option. Thanks for the feedback, everyone.

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2013 Cadillac V-Wagon, RIP Z