I would definitely get the insurance. Someone put their car into the wall on our first day, glad that I didn’t have to worry as much about it. At the end of the day, it is $200 — a small fraction of the total cost to attend and worth the piece of mind. Me and a few others in our group pushed the cars far beyond what I would do in my own car — isn’t that the whole point of the event? Find out what the car can do?