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The most incredible thing to me in all of this is that insurance covered it. Drivers ed or not, just the fact your car was on a racetrack should be enough. I have State Farm and in 2002 I told them I was going to do a driver's education day at the race track and asked them if I was covered and they said, "Not if it's on a racetrack."
It sounds like USAA might charge more than SF for some folks but for the OP, his policy clearly paid off (literally).
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SCCA T4 - FRS
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