Here is the standard exclusion in Va :
11. Loss to your covered auto or any non-owned auto,
located inside a facility designed for racing, for the
purpose of:
a. Competing in; or
b.
Practicing or preparing for;
any prearranged or organized racing or speed contest.
Things really have changed in the nine years I have been tracking a car. Claims adjusters have become more aware of how cars are being used on track for sure.
It would seem to me that if you use your car for DE you would be safe based on this exclusion but it is up to a claims adjuster to interpret how you used your car on the track. More and more it seems they are denying coverage based on how " track prepped ' your car is, what kind of tires were on the car at the time of the accident, and the organization you are running with. The bottom line is that incidents on track are treated very inconsistently and coverage can be denied by any company at any time.IMHO it's not worth taking the chance . Track insurance is worth the investment if you can't afford to ball up your car and walk away.