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Had someone spill their diff fluid in the braking zone of the fastest straight on track once. I was in my Celica with no ABS and went straight off, thankfully there was an unused section of track to bail on to. For sure if that happened at the wrong part of the track I'd be in a wall and sending the car to the junkyard.
Other than that, my worst incident was missing my braking point while passing and short cutting a chicane at 75. No damage, other than to my ego. I have heard of someone who maybe got a rock stuck in a caliper, which slowly machined away at his wheel until it failed.
Worst incident I've seen was an SRT4 which got bent out of shape in a fast sweeper, hooked and shot off track into a steep hill. Apparently flipped but landed upright, car left on its own power I think.
If you owe money on your car I'd say insurance is worth it. Otherwise you shouldn't track the car without being ok with randomly setting the whole thing on fire and walking away.
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