[Z-man]

Typically, there are two types of track events: competitions and Driver's Ed events.

Most, if not all insurance companies will NOT cover a car that was damaged at a track where the function was a competition or a timed event.

The story is a bit more complicated for DE's (non-timed, non-competitive events):
Some insurance companies will cover you no problem, again and again.
Other insurance companies will only cover the FIRST offense, and either state you are on your own for the next accidents, or raise your rates, or drop you.
Still other insurance companies will NOT cover you at DE events.

As DE's grow in popularity, and more people are involved with it, I have seen the trend for insurance companies to adopt that latter (no covereage) stance, which is a shame: DE's help make people better drivers, and as such, they shouldn't be penalized for participating in them.

You should check your policy to see what your coverage is.

-Z-man.