I searched a few threads about insurance and what everyone is paying but I can't get a straight answer from anyone I talk to. Do I need to carry some kind of coverage to ride tracks like: MidO, Gingerman, BG, Grattan etc? My biggest concern (and that of my agent as well) is that if, hypothetically, I pitch my bike into someone else and do serious bodily harm or even death am I at all susceptible to legal action? My agent made it very clear that if I do damage to my bike 'operating in an unsafe manner even within a designated area' that they will not cover the loss, but that I still need to leave coverages on the bike?! That makes zero sense to me because so many people have designated Bill of Sale or junk bikes to ride at the track, I figure this stuff would be covered in the fine print of the waivers we sign at the track? She sure did her homework because last time I talked to her we agreed it would be advanced rider training but now its a whole different story. :-/ Thanks in advance.