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Most issues come from offs: broken wheels, suspension parts, and exhausts; lost bumpers, under trays, fender liners; and busted oil pans.
The other things to watch for are from wear: fried brakes (pads, rotors, and fluid); overheating; and transmission issues.
If you drive within your limits, are up to date on your maintenance, and your fluids are fresh you should have a good time without any major incidents.
Most of the minor stuff isn't worth covering (insurance costs are too high for the limited risk), and the major stuff is mostly in your hands.
I got track insurance for my first track day and liked the peace of mind; however, I've never purchased it again because I had enough confidence in my ability to know the limits of my abilities (and the track I frequent has lots of runoff room).
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