You are okay, and the car is covered. But your $1,500 carbon fiber helmet took a hit (it’s trash now) […]

You hit the wall hard. You have a broken arm and a concussion. The ambulance takes you to the trauma

You have a $30,000 Subaru WRX, but you’ve added $15,000 in turbos, suspension, wheels, and a roll cage. You crash.

You are stuck axle-deep in the gravel trap at Turn 5. The “Crash Truck” comes out, hooks you up, and

You blew a head gasket or punched a hole in your oil pan. You coasted to a stop, but not

You tossed the keys to your instructor, thinking, “He’s a pro, he can show me what this car can do.”

You spun on oil at Turn 1 and backed into the Armco barrier. Your car is fixable, but the track

You misjudge the Corkscrew at Laguna Seca. Your $70,000 Corvette is now a crumpled ball of fiberglass and aluminum. You’re

You are at a “Driver Education” event, focusing on learning the racing line, when you spin into a tire wall.

You just backed your trailered Porsche into a concrete pillar in the paddock area while unloading, or maybe you clipped