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Yep, you'd be screwed. Insurance policies almost always have a disclaimer preventing coverage for competitive, track or timed events. They'll just walk away.
If you have an incident, you either have to lie to your ins. co. (not always possible if a Police Report is required (not to mention any moral ambiguity), or eat the loss yourself.
But, you can get Track Day insurance or 1day insurance. There are several companies which offer it.
American Collectors Insurance offers a Drivers Education program for club sponsored Driving events such as PCA events. Also, contact your agent or PCA, they'll be able to offer more alternatives.
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