Special insurance is not required but certainly recommended. The fact is, your regular car insurance policy probably doesn’t cover your car at the track. To double-check, read the fine print of your policy and look for “exclusions” phrases like, “on a surface used for racing,” “at a performance driving event,” or “at a racetrack facility.” But, because Track Night in America events are structured for safety, our participants can purchase affordable Hagerty Insurance coverage for their vehicles during the event.