@GHOST68 - If you walk out infront of someones car and get hit....I hope they sue you for causing the accident and drag your butt to court to recover any damages and potential loss of future sponsorship deals etc caused by you slowing them down/ruining their race!!
Seriously though, you know the risks and you take the chance....if you don't like it, look at taking out your own insurance to protect yourself and possibly those you hurt if they decide to come after you...
Imagine what the costs of having full coverage for everyone at a race meeting would be....(if you can even get it)....it will surely be more than $20. If for arguments sake it went up to $250 to include full coverage for everyone, how many people would it put off racing/the hobby? I'd imagine a lot...and then what happens!?!?! No clubs, no tracks...no hobby...
The whole claim culture sucks.....next well be having to take out additional insurance for our 'toy' cars or people will start suing each other for breakages caused during qualifying/races!!