Originally Posted by masmole

Tell your friend to at least have the car towed off-site and away from the track, off the record, preferably somewhere remote. Then have it towed again to the nearest dealer using AAA or Porsche roadside assist, on the record. En route, phone-in a police report of the accident and claim that it happened while messing around at some back country roads. Yes, it's dishonest but you don't want to screw around with regular street insurance as most of them will deny coverage. Your friend needs to check the exclusions section on their policy, and sometimes even when not documented under exclusions, most carriers will still go out of their way towards denying covering any incident on a race track whether it's a timed event or not.

I know a few who have done this and everything has worked out. In the future, it's best to get track insurance unless you have deep enough pockets to pay for your own track misfortunes as they come.

EDIT: To clarify, I am not suggesting that this is the right course of action to take. It's merely an option depending on your own morals, and how far one would go to avoid a big monetary hit. Like I said in my last sentence, get track insurance or dig deep in your pockets (gotta pay to play) in the future. I just mentioned it as an idea because I've seen the above-mentioned practice done often at almost every track incident I've witnessed where the owner was aware that their insurance would not cover it. While everyone is taking the high road and doing the right thing in this forum thread, I've observed much different actions taken at the tracks time and time again, especially when fellow participants crowd around and in the heat of being "sh!+ outta luck", it often became suggested and even encouraged (sometimes unanimously) by the most unlikely of people (instructors, fellow drivers, corner workers, and other track personnel) to commit such insurance fraud as described above. I haven't done this. And fortunately, I haven't had to. (knocks on wood) Nor will I ever do it should something ever happen, which is why I have track insurance through lockton, despite USAA already confirming in writing with reference to the exclusions that I am covered as long as it is a driving school and a not a competitive timed event.

Originally Posted by CRex

WTF is this?
I'm not on some moral high horse--if I had the misfortune of the OP's friend I of course would be tempted to finangle something out of the insurance company. But that doesn't make it right does it.