This could be an interesting thread.
In my experience, SCCA Regions and SCCA event insurance will cover damage done to the facility in the course of the event. I don't believe that this covers "malicious acts" or "gross stupidity", but does cover the typical 'crash your race car into guard rail / foam blocks / the porta-potty on pit lane'. SCCA Regions also cover speedy-dry, fire extinguisher use, etc., so competitors and participants don't get whacked with a bill at the end of the weekend. (In addition to crashing my own race cars, I've been a Reg'l & Nat'l race chair and I've filled out the insurance claim stuff myself, so I'm not just talking OMA)(although I can do that, when pressed)
I recently raced with NASA, and at the Saturday morning driver's meeting, we were all told, in clear and concise terms, that if driver(s) damaged any guard rail or whacked any foam blocks or caused the depletion of the world's supply of speedy-dry, those drivers would be financially responsible for the cost, not NASA. That was a new one on me, although I don't race with NASA alot.
OK, class - please discuss...
[This message has been edited by JohnRW (edited March 04, 2004).]