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That's a tough pill for the renter, and maybe you too. Signing the contract is one thing, collecting after the event is another.
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My experience was with rentals for SCCA Regional events. So we're talking wheel to wheel in a realm where many PCA guys fear to tread. That's how it was done for me (not to mention they had my credit card number and there was a $5000 security deposit placed on my card). In one case I did crash a older S2000
(Crossle BTW, not Honda). I had to pay for a corner's worth of shock, A-Arms and miscellaneous HW. It took a few weeks to write the check and they were good to work with. At the end of the day I still seem them when I stop in at an SCCA event and we share a laugh about event. Especially since earlier in the day I did a 360 in front of the owner at speed on the front straight of NHIS and drove out of it.
I guess the point here is that racing is a small community -- if the person renting balls up my car and defaults on the payments it's doubtful that they'd ever get a ride from anyone again. I would agree though that some sort of security deposit should be paid up front.