Track Event- Accident. I was at a track event and went off the track into a tire wall - damage was to my bumper cover (plastic), fender, door and quarter panel. Car drives fine - just cosmetic. I am with state farm for 15 years without a claim - I know there is more than my 500 deductible -more like 3K-5K of damage possibly. How should I approach this to my agent? I heard that NC insurance will cover this because NC is the ONLY state that covers accidents at track events that are NOT competition or timed events.