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Tracks in most cases do no provide insurance... and it's always a good idea to cover yourself first then use track insurance (if any) as a secondary coverage. I have a policy through Anthem that covers me no matter what i'm racing (dirt pavement big track small track doesn't matter). I'm not sure the total amount of coverage but it's covers life, injury and liability. We had to have a special policy to cover racing because of the volume of races we run. If you call yourself a hobby racer i think you can just get a writer on your current nonracing policy that will do what your looking for without too much expense. I think my policy run about $250 a month or so. hope this helps...
kevin studley
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