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SCCA membership has with it special insurance that covers you at any event with waivers you need to sign. That means autocross for example. The insurance is liability and medical, which I know is a little off-topic for this thread. Nobody insures car upgrades unless you pay extra, and even then they might not pay out if you make a claim... I'm just resigned to the fact that if my car is wrecked, I'll take the payout and buy my car back for salvage, strip the upgrades and *then* sell the wreck for scrap.
- John

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