jeremy, riddle me this, insurance guru...
In the past five years we've had at least three deaths in club racing, and I think they've all been the result of a major 'incident' (heart attack, seizure, etc) that occurred on track.
Hmmmmm...see, that says to me: HEY! Somethings happening here, and it's going to cost us...the club, sooner or later.
Yet, I have heard not one peep about re examining our rather loose medical standards or restricting based on stress tests etc.
Frankly, to me, the threat of some guy having a seizure entering the straight at Lime Rock and taking a right with his foot pegged to the floor, shooting down pit lane in a qualifying session scares me FAR more than some guy who spins and rams a bridge abutment and is killed because he suffered basilar scull fracture. His death is the result of an on track incident, ...whereas a medical event has the potential to CAUSE a major incident harming or killing spectators.
I'd opine it's because the medical issues are the 800 pound gorilla, and SCCA is scared silly to approach that, because it knows that requiring real stress tests and better screening will eliminate a large portion of it's driver base.*
But, tell me why actual past history and deaths has not caused our insurance to rise, but you claim lacking a hNR rule WILL cause the rates to rise, even if there are no related deaths??
Help me see the logic.
* See also Mine and Kirks separate requests for SCCA to set bail out standards and institute testing. In my case, they replied that they feared a reprisal from the ADA folk, and in Kirks case they responded that they saw no need to have exits be timed or, presumably...quick.