This whole thing sounds strange. I have never really heard of an "Insurance Company" calling someone to tell them they are canceling them, they just do it. They have to give legal notice of cancellation which is determined by the State Department of Insurance. I would really question if Liberty Mutual even knows he is using the vehicle for auto cross he states he has insured with them. Most policies, unless specifically designed, will not cover any track type exposure. Obtaining track coverage is not an easy thing with most Companies. I have also never heard of a Company having personnel to sit and search the Internet looking for people that auto cross, race or anything else along this line. That makes the least amount of sense to me in the whole thing.
Robbin
Midwest Classic Insurance
www.cobrareplicainsurance.com