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Negligence? How's that factor into the disclaimer?

There's plenty of that to spread around in this case.

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It doesn't figure in. It's just another word for stupid - and we all do stupid [Edited by Moparts - Family Friendly Site - Keep it clean] now and then. The bulk of us would pay for damages we caused to someone else's stuff, because it is the right thing to do - but by law we wouldn't have to. It's a little scary when you think about it because there are some who have mucho $ tied up in their cars. IMHO, a race track is not a play ground or a Bar - or a golf course . Call me a woosy, but I don't need any help being stupid. The guy that got rear ended could have been on a motorcycle. It aint all just about the $!