[GSXR RACER MIKE]

I wasn't sure how to interpret the original post here, the title reads like a question, but the post itself reads more like a statement. Is there a question in there that your looking to have answered?

And like dorepsol2 said, I believe there are insurance companies out there that will cover you at a Track Day due to it not being actual racing. If your worried about if your insurance company covers it or not just call anonymously (possibly to another branch of the same insurer from a phone other than your personal phone because of caller ID) and ask if that activity would be covered or not and if there are any limits or special rules that apply as well? With todays many crooked lawyers and insurance companies, the amount of exclusionary stuff they bury in insurance policies is just crazy and flat out deceptive some times. Make sure you have a copy of what ever they say in writing, I've seen a common disclaimer in many different legal policies that says anything 'promised' outside of the written policy is not legally binding!

Someone I work with ice races motorcycles, he had some minor injuries which required an emergency room visit some years ago and used our companies group health insurance coverage for it. According to that Health insurance companies phonebook size set of rules you could compete in racing recreationally for fun, but if you did it Professionally they would not cover you. The event he was at was a Pro/Amatuer event, and he was racing in the non-Pro classes when he got hurt. The insurance company actually investigated it and found out what event he was racing at, and then denied him coverage because they said it was a Pro event. He went back and forth with them telling them it was a Pro/Am event and he wasn't racing Pro so it should be covered, it wasn't until he got a representative of the racing organization to send the insurance company a letter stating that he was not in any Pro races that weekend that they finally covered it. The wild thing about all of this is that the emergency room bill was actually very minor and he could have paid it himself, but it was just the point that he pays 1000's of dollars every year for health insurance coverage and they fought to not pay the only claim he's had in many years, and it was only for a couple hundred dollars.

Legal crooks I tell ya! Make sure your truely covered if that's the route you go, not just 'told' that you are!