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I wonder how things would play out if you video recorded the instructor(s) telling you you're not liable for any damages (ie NYC....not your car.)
As I stated,in my previous post, the track school I go to where the school and BMW have a clear partnership leaves no ambiguity on how liability is being handled. But the way they do it makes it reasonable for you not to worry about having insurance as your liability is capped at a certain amount and billable to your credit card. The way this track school is run, the instructors along with the track support staff, mostly prevents any crashes from happening. But you do get the occasional bone head that despite the on track coaches and the corner workers regulating what is happening on track will get themselves or involve another student/riding coach in an incident.
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