"Maybe it really is about doing your homework and being picky about providers."
That's definitely been my experience too. A few years back, I had a minor accident—nothing serious, thankfully—but the claims process turned into a frustrating maze of paperwork and fine print. It wasn't until I switched providers and started thoroughly reviewing policy details beforehand that things improved. Now I'm always curious about others' experiences... seems like the companies that step up when needed are rare but worth seeking out.
Totally agree with doing your homework first... learned that the hard way when I restored my '68 Mustang. Had to dig deep into policies to find coverage that didn't shortchange classic car value. Took a while, but worth the hassle in the end.
Haha, been there myself with my old Jag. Thought I was covered until the day a tree branch decided to test my policy limits—turns out, "market value" doesn't mean what you think it does. Lesson learned: always dig into the fine print before life decides to school you the hard way. Glad your Mustang got sorted though, must've felt great once everything finally clicked into place.
Had a similar wake-up call last year when someone rear-ended our family SUV. Thought I was good with "comprehensive," but turns out rental coverage wasn't included—had to scramble for rides for a week. Definitely learned my lesson on assuming what's covered.
Curious now, has anyone here ever benefited from adding optional coverages (like rental reimbursement or roadside assistance)? Wondering if they're really worth the extra bucks or just another upsell...
Had roadside assistance bundled in for years, thought it was pointless until my battery died at a gas station at 11pm. Quick call, jump-started within 30 mins, no extra charge. Rental reimbursement though...had it once, never used it, dropped it. Guess it depends on your situation—if you're juggling family schedules and one car, probably worth it. For solo commuting like me, meh, I'll risk it.
