Yeah sounds like it. I usually play AC which doesn't really have a penalty system for contact. It does give equally crazy penalties for corner cuts but only sometimes. I have done some iRaces but and I vaguely remember a penalty system flashing at me but I still haven't figured out how to get out of the beginner races without spending a load of money so stopped playing it. Still got 6 months left on it... I don't think I've ever had a drive through on it but tbh I was probably languishing 3 laps down. I like that 4 wheels over whites thing because it's nice and precise and I can avoid it. The car contact one sounds pretty mental especially if light brushes count.