The insurance companies will answer the question. They'll set the limit, and that will be that.As for injuries, ask BC,and he came back just as fast and fierce as ever.The hard thing for me would be parental guilt if something happened.Why did I strap my kid into a race car 4? It would be hard to live with if your child paid the ultimate price.

It is a dangerous sport as we all know. My only question is ,does a 12 year old really understand how dangerous it is ?