[Perfectlap]

VIR for an autox? lucky guy. Just watch out for the deer though. A few years back during a karting race thumper decided to cut across that cicruit and it was curtains for the racer and deer.
As far as insurance I think you can buy 'day insurance' for the DE's.
Autocross is purty safe but one local president of one of the many autox clubs here in the NY-NJ region sardine-canned his car into a light pole. Explain that to the insurance...

A few tips before the bad habits start up.
1-drive with shoulders not wrists
2-keep your shoulder blades pinned to the back of the seat
don't sway back and forth like you are on a boat.
3-lean your head in the direction of the next cone. I even see some of the pros still doing this.
4-let first gear come up fully before you upshift. Some people dump it right away but I think most times you are leaving some speed on the table.
5-make a mental effort to keep your hands glued at 3 and 9 o'clock and only let go when you've gone past 180 degrees. Shuffling the wheel just adds to the confusion.
6-place a piece of tape at 12 o'clock to remind you to keep your hands put.
7-brake early in the begining but really lay into it. Autocross is where you learn the limits of your brakes more than learning the limits of the throttle. Most people will never learn this just driving on public roads.

safer autocross drivers make for safer track drivers.