If you know your agent deal with him truthfully and tell him you need his help to protect a friendship and fix two cars. The accident did not happen in the act of racing, but in the area leading to the race track. You failed to notice that your son had stepped out of the vehicle, pulled away and the rest is history. Could have happened anywhere, but it happened at the local drag strip in the drive lanes leading to the track. If your agent is any good he will indeed act as your "agent" to the insurance company to give you reason to continue doing business with him.