I think you should just pay the damages out of your pocket and that will be a good lesson to you to watch and see who is steering the car or IF there was anyone still in it in the lanes, you weren't ON the track when the accident happened but you WERE at the track to Race the insured vehicle, It will still be insurance fraud IF you lie and say it happened someplace else. And I doubt that your agent will lie for you and possibly lose his livelihood for a mere $1500 bucks, I wouldn't.. .