Insurance while racing street car?

I hit the wall twice after doing 4 or 5 360's at the track at around the 1000 foot mark because of water on the track, I was the second set of cars down after a rain delay, first set of car where already complaining to track officials about the wet track. Went through the whole insurance thing with the track, now this was around 15 years ago. At that time I found out that all NHRA track where insured through one insurance company and their policy was. The racers are responsible for the condition of the lane you are in, whether it is safe or not to go down and that you(the racer) should check the lane before you go down it. So I said to the insurance agent, that the track does not allow anyone on the track once racing starts. There answer was that is the tracks policy not there's and there is nothing they can do about that. Did you catch the catch 22 in this scenario I found it funny, and by the way "no" nether my insurance or the track's paid out, all damage came out of my pocket accept a used set of bumpers the track owner paid for and I was thankful for that.