I have USAA as well and checked into this some time ago so my info might be dated.
What I found out was that with USAA it depends on the state you live in. VA you are covered. MD and the P.R. of D.C. not covered. The agent I talked to said that if the policy does not exclude non competitive track driving then it is covered. I just checked my current policy and it is not excluded in print.
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http://vimeo.com/29896988
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