Most policies now have exclusions included that state "no activities on a course no matter what you are doing"... terms such as that, but wording is more specific.
Safeco, Allstate, etc. have specific exclusions to this effect.
The only sure way of covering yourself is an stated value for trackday coverage. It's a couple hundred bucks per day (goes up in 10K$ increments of about $80 per block. I pay +/- $290 in insurance per lapping day.
Don't believe whatever your agent tells you.... only believe what you actually read, i.e., order and read the entire
insurance policy... the fine
In the "old days" they said "no timed events"... however, recently, since about 2006, it's no events at all on a prepped surface.
If you can find one who doesn't specifically deny that type of fun, all the more power to ya!
That looked like the deers driver's side rear haunch busting through the windshield. Bet next time he'll have that helmet visor down!
I hit a deer once and had to finish the job with my 9mm. Wife and 16yo boy watched. I found it merciful and easy to do, fracking deer dented my ride!
Insurance will cover most racing as long as its you against yourself (think track days or HPDE) or against the clock (think drag strip or AC). What you have too worry about is you against another driver (think 1st, 2nd, 3rd place races). You have to look at the language of your policy, most exclude 'organized speed contests', a contest being loosely defined as you vs. someone else. If you think about it most speed events don't rank you 1st, 2nd etc, but rather recognize fastest lap or best ET. Even drag racing down main street is covered because that's generally not organized but rather spontaneous. YMMV. So call your agent and ask if racing is covered. If he/she tells you 'no', find another agent. What they should say is 'it depends on what type of racing'.