I am not sure which forum is the best for this question, so feel free to move this.

I was wondering, if you on a track on an open track or school day, and some other car loses control and hits you, or does anything else to cause damage to your car, and it was clearly their fault, would their insurance be liable?

 

carriers have different policys regarding this... most likely you would have to split the bill 50/50 at best... other carriers might not even insure you for racetrack accidents. it all depends on what type of policy you have.

 

If such an event happens, you need to have the car towed away from the track and to a repair place. Report that you had an accident, only involving yourself and perhaps a ditch or guardrail, etc. If another car was involved, then you are screwed in most cases. If the insurance agent MUST see the actual scene of the accident, then you are screwed too.