There are companies that offer track insurance.
Mostly, that addresses medical and liability (Believe it or not, in amateur events if the incident is serious enough it applies) and not the vehicle.
Like I said, there are some, but it is EXPENSIVE.
Usually you only see that with vintage racing series.
FORMER Avenging Moderator of the Apocalypse and Leader of the Axis of Oversteer
"I live with fear every day and sometimes, she lets me race."
2002 SVT Focus... Stock