Had a very bad accident myself. Driving too hard on a rainy day at Laguna Seca. Lost the car in a very simple slide, but stayed on the throttle too long. Car caught traction after a tank slapper and sent the car head on into the wall around 40-45mph. Hit hard enough that my foot slipped off the clutch pedal and my ankle actually bent the entire pedal assembly and damn near folded my foot in half. Engine was torn off its mounts, trans mount sheared, center support bearing exploded, diff pushed out of the subframe. Happy to still be here.
Insurance covered the car completely. Told them exactly what happened, and where, and they still covered the car(I understand this to be a situational instance i.e no one else involved, no property damage, no reported injuries). They ended up not using my GAP insurance either, and I ended up $150 ahead. I don't think it could have gone better, except not crashing altogether. Currently driving a salvaged title(due to hydrolocked engine, now has 2015 engine with 7k) FRS that was picked up for cash, and I purchase track insurance on rainy days. Know your limits, and stick to them. I track 1-2 times month on average but still don't consider myself an experienced enough driver to drive 10/10th's.
