USAA views autocross as "driver improvement". It's not racing, you are not running against other cars or the clock. The clock is there to gauge YOUR skills and give an accurate method in which to guage your skill level and/or improvements. That's how I explained it to USAA and they said "have a nice day mr merritt". My talon is my toy now, so I have just liability on it since on paper it's not worth shit.