First track day, first crash day

[NorthernBeast]

It sure beats smashing up your car, taking the bus for a few weeks, and driving some old shit box till you get in a position to buy new again.

Agreed, I think that's a reasonable cost to protect your car.

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[RickBetterley]

Insurance is different in each state so no one should be giving blanket statements on what is and is not covered.

Exactly
Track day insurance covers physical damage to the car and does not duplicate your street insurance, which usually will not cover track events.
True that track day insurance usually does not have a liability option, but if you are driving with a reputable event organizer the liability waiver plus insurance bought by the organizer should be sufficient protection.
But - blanket statements about insurance are not always true for certain circumstances (I.e., one state might have different policy wordings than another).