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I agree with you that if a limit has not been exceeded, then the manufacturer ought to pay up. Bouncing off the rev limiter, cornering hard, etc, does not constitute exceeding a limit as far as I'm concerned.
However, if the warranty expressly limits liability while the car is on a race track, then I don't think the manufacturer should be expected to pay up in the event of a loss while at a track.
If you were the manufacturer of a car and you warranted it free from defects during normal use, but expressly required that the car not be taken to the track, would you want to pay for damage incurred while the car was at the track? I wouldn't.
A warranty is a give and take. If you agree to the terms of the warranty, and comply with those terms, I'll pay up. But if you don't comply with the terms, I can't be expected to pay.
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