There's no way you can get a correct answer due to the very specific nature of each claim and insurance companies policies as many here have stated. My personal experience was several years ago in Washington State with State Farm. They paid a $25k claim on a RS America I had at a track day. The claim included costs to repair and replace very track specific stuff I had on the car. They didn't drop me and my rates increased as if I had had the accident on the road. I had been a customer for over 15 years with very little claim activity and my agent went to bat for me. The claim history stayed with me for three years and two moves to other states and now is no longer considered even though I am no longer a State Farm customer. This was in 2003 andI'm sure the insurance climate has changed due to the popularity of track days. I'm sure I wouldn't be so lucky now and would tend to follow the other's advice to suck it up unless you have an attorney you totally trust who tells you differently. If you have a long-standing relationship with an insurance agent you may want to pose a hypothetical question to him (not the claim department at the company!) Like TD said, even questions will come back to haunt you if you ask the wrong one to the wrong person. I have experience with that as well....
Good luck
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Darrell
79 911SC Targa
06 Cayman S
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