[martieg]

I have never been to a track - yeah, I know, you'll say "you've been missing a lot of fun". One of the things that keeps me from going is that because everybody is going fast the chances of an accident are higher than in the street. I just visited one of the "Track Day" websites, and they require helmets, fire retardant suites, etc - which confirms my previous statement.

Is it true? How frequent (and how bad) accidents are in the track?
What about insurance? Do you have to pay extra to be insured on the track? Do they insure you at all while on the track?

I know fun has its risks, but so far my scale hasn't tipped to the fun side strong enough.

Have you ever been involved in any type of accident, or have you witnessed one?