[DonDavis]

I don't see a problem with it. If a person goes to the track, trashes their car then puts in a claim but does not tell them where the damage really took place, that's insurance fraud.

That is, of course, if their insurance does not cover track events.

If one can't afford to lose their car, pay for track damage out of their pocket or get track insurance then they are being a bit irresponsible.