[ArthurS]

Basically, you are not covered for a damn thing if you are doing any of the things mentioned above. speed contest, racing contest, or anything that is done on a track. So driving schools, driver training (unless done by the DMV), or practice events are not covered.

This means no Liabilty, Medical, Uninsured motorist, Death Indemnity, Disabilty Income, or Comprehensive or Collision losses will be covered.

And when it comes to the street-racing thread thats going on, if you read the line that says "....arising out of participation in any prearranged, organized, or SPONTANEOUS:" This meaning that if the insurance company finds out you are filing a claim that was related to speed-contest or street racing, they DO NOT have to pay out on the claim. Even if it is a Bodily Injury claim.