[Adger Smith]

They might have figured out they needed to renegotiate with the insurance company or move the coverage to another carrier to cut out the surcharge paid at the gate. That was keeping racers away, too. Felt like a gouge...If they didn't they need to. The way it was is membership (Driver) or membership by non driver had a large insurance policy. It was about $350,000 over and above what your own policy paid.
If you had no insurance they became primary. When I had a bad accident running IHRA my personal insurance took a hike. My IHRA membership insurance Wisenberg (IHRA Ins.) spent around $238,000 on my care and rebuild.. I don't think the membership insurance applies to anything but the member. Time will tell what is going on.