Originally Posted by RallyLegacy
Policies can vary by state, so you still pretty much have to read up on the terms outlined before you know if you are covered.
Typically for your own car (and it might include medical payments). Pretty much any damage to your car comes out of your own pocket, unless someone with lots of money hit you and offers to pay for it, but there is no requirement for that.
What if I hit someone else? These are the only reasons I would be scared for track days. That's why I kept it autox only