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I live in North Carolina, and in my state, as long as you are not participating in a "race" event, i.e. no timing devices, etc, the regular insurance on your vechile covers educational events at a dedicated track facility. Notice, "race track" is the operative word, and racing of any kind is the exclusive. Having said this, some HPDE event sponsors provide insurance as an added option. You might want to check into this when registering for any HPDE event. I hope this will help you.
vz
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