Those who own Porsches, Corvettes, Ferraris or other sports cars often drive on racetracks, perhaps on a track at a driving school. They believe they are covered if they wreck their car, but nine out of ten personal auto policies have a specific exclusion in the language that says, ‘We will not cover anyone who is driving if they are racing, preparing for a race, practicing, qualifying, doing speed contests or demolition derbies.' Some policies will go as far as stating that if you’re within a racing facility or compound, you’re excluded. There are, however, a few insurance companies who cover track driving at a school.
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