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In Reply to: Haggerty 'gotcha'. . . posted by John N. on March 18, 2002 at 20:13:53:

The car has to be insured when NOT on the track, at home, when I take it on the road (very seldom) and to and from the track. While for right now its a little expensive (25k agreed value, 200/year additional to my premium) it is ample peace-of-mind insurance. Remember formal competitive events should have their OWN insurance, and (of course) there are other insurers who will cover your car during off-road events.