You grab your ankles and ask the insurance company to be gentle.

I wasn't very worried about someone being stupid around the Lambo, the HPDE events are quite safe, drivers are very courteous and have to point each other by to pass so most of the danger comes from your own doing. I drove it pretty conservatively when I was tracking it, but still very fun, enough to make me realize I wanted to keep doing it.

That's when I bought the Radical, it only took one ride with a friend to convince me that's what I wanted, it's much much faster than the Lambo. I don't insure it, although I don't think you can actually insure race cars even if you wanted to. It's one of those situations where once you decide you want to go beyond a certain level of performance, you have to sacrifice insurance. There is track insurance for street cars that you can get, it's expensive, but regular insurance will cover HPDE events in many cases.