I have done a fair bit of racing and loads of track days and it's very simple - every driver signs the same disclaimer before you go on track, anything can happen and its your own choice to drive and your own liability regardless of what happens - even if a driver turns out to be a moron ignores the rules etc and then causes a crash - tough luck.

Days like this event have a much higher chance of an idiot being let lose on track so it would mak sense to organise some insurance to cover this - expect the excess to be 50% if you can find cover.

Shame to see the blue Fiesta written off due to bad driving but unless the Focus driver offers to help with costs then no hope.