[Z-man]

Um, no. You just pay the track fee. There is insurance that the sponsoring club has, but that typically does not cover any on-track incidents that the participants may incurr.

Check with your insurance company - since DE's, or "Driver's Education" is a learning venue, most insurance companies will cover damage you incurr on the track. DE's are NOT racing, and as such, timing equipment is not allowed, and there is no 'winner' per session.

There are basically three types of ways insurance companies handle accidents that occur at DE's:
1. They treat it like an accident that occurred on the road.
2. They treat it like a 'regular' accident the first time, but after that, you're on your own.
3. They will not cover any accident you have on the track.

You really need to check your own insurance policy to see where what your company does. I know that more and more insurance companies are going the #3 way, especially as DE's become more and more popular.

HTH,
-Z-man.