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Kind of a negative question, but has anyone spent their $15,000 deductible during a ZR1 class yet?
I've been there twice since 2014 and never really saw anybody go off track to any degree that would cause damage. Their courses are designed with plenty of "run off " for areas that require it.
Maybe others have been there and seen incidents that caused real damage, but I have not, and don't think it something to be that worried about.