[Tcoat]

Originally Posted by OkieSnuffBox

I don't think it's insensitive at all. You knew the risk, did it anyway, and it bit you in the ass. The relevance of track insurance is that would have coverage for the accident after your deductible. And wouldn't have to worry about finding and shipping used parts. Gap is relevant due to the diminished value of the vehicle after a wreck.

When I still had my NA as a track rat, I had no problem throwing it around on track because it wasn't my daily driver, I paid cash for it and all the mods, and figured if I wadded it up, I just buy another and swap over any remaining good parts.

Gap insurance won't help with diminished value. All gap insurance does for you is make up the difference between the book and loan values if the car is totaled. It doesn't help one little bit if not written off.