You are right any race car driver should be worried about insurance it could happen at any level. From quarter midgets up. If you contact Robbie Rice at STIDA he can explain to you exactly what the track has and what STIDA takes care of. Every racecar driver, any level should have STIDA! Robbie can also guide fans to an insurance as well, if you are interested. Give Robbie a call at (800) 378-4608 or visit there website at STIDA.com to answer your questions. Good luck!

Josh Spencer