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general rule: if you can't afford to write it off.. don't race it!
in most instances insurance will not cover it. read your policy carefully. there have been some track day insurers popping up here and there. I remember there is one company, but they do not allow your track car to be your street car. in addition, the car must be garaged when not raced and transported to and from the track on a trailer. there was some other BS too.
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