Take your attorney's advice. Isn't that why you have an attorney?
I'm with TD, though. If it were me, I'd suck it up and not file a claim on the insurance. My feeling is I do this at my own risk and will pay for what damage happens to my car due to my own bonehead mistakes while driving in a DE, even though it's not a race or race practice. It's not really what insurance is for.
There are groups that won't let you drive in a DE unless you have a certain level of liability insurance.
Whatever you do, don't commit fraud, don't go out and spin your car into a tree and claim it happened on the road. Don't mislead your insurance company as to how it happened. That would be both unethical and immoral, not to mention possibly illegal.
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