Since I was aware that some insurance policies basically exclude coverage for anything that occurs on a "racing surface", I thought I would check the details of my policy (through State Farm). Exclusion 19 excludes coverage for Any covered vehicle while it is (a) being prepared for, used in practice for, or operated in any racing contest, speed contest, jumping contest, or any similar contest; OR (b) on a track designed primarily for racing or high speed driving. As writing, the exclusion would seem to cover even a parked car that was hit if it happened to be parked on a track. What do people recommend? I assume accidents during driving classes are pretty rare. Is that a correct assumption? Is there driving-school-day or (for the future) autocross-day insurance that serves to cover this exclusion? Thanks in advance for any recommendations!