Here’s something I just learned: regular auto insurance usually doesn’t cover stuff that happens at car shows, like if someone leans in for a selfie and scratches your paint. There’s apparently special event coverage for that kinda thing. I always thought my policy had me covered everywhere, but nope. Anyone here ever had to use this? Or know if it’s actually worth the extra cash?
DOES YOUR RIDE NEED EXTRA PROTECTION AT CAR SHOWS?
I always thought my policy had me covered everywhere, but nope.
Honestly, same here. I figured if I was paying all that money every month, my car was basically wrapped in a bubble wherever it went. Turns out, not so much. I looked into this a while back when my buddy’s Mustang got a nice new scratch at a local show—some kid with a belt buckle, classic story. His regular insurance just shrugged and said “not our problem.” He was pretty ticked.
I get why they do it, though. Car shows are like magnets for people who don’t know how to keep their hands to themselves. But man, special event coverage? That feels like one of those sneaky extra fees they tack on just because they can. I mean, how often is something actually gonna happen? If you’re showing off a rare classic or something with a crazy paint job, maybe it makes sense. For my daily driver? Not sure it’s worth the extra cash.
I guess it depends on how much you care about your paint and how much you trust the crowd. I’m usually more worried about door dings at the grocery store than someone leaning in for a selfie at a car show. But if you’ve got something really nice or sentimental, maybe peace of mind is worth the price.
Personally, I’d probably just park away from the main crowd and keep an eye on things rather than shell out for another policy. But then again, I’m the type who brings my own snacks to the movies to save a few bucks... so maybe don’t take financial advice from me.
But man, special event coverage? That feels like one of those sneaky extra fees they tack on just because they can.
Right? I keep wondering if it’s just another way for insurance companies to squeeze a few more bucks out of us. I mean, is the risk really that much higher at a car show than, say, the mall parking lot on a Saturday? I get being careful with something rare or sentimental, but for my commuter car, I’m not sure it’s worth stressing over. Maybe I’m just too used to rolling the dice with my old Civic...
I kinda get where you're coming from, but I think the risk is actually different at car shows. You've got crowds, people leaning in for photos, sometimes even food or drinks around. My cousin’s Mustang got a scratch at one last year—no one owned up to it. For something like a Civic, yeah, maybe not worth it, but if you’ve got a car you care about, it might save you a headache later.
I get what you mean about the risk being higher at shows—people just don’t respect boundaries sometimes. I’ve got a minivan, nothing fancy, but even then, I’d be annoyed if someone dinged it and my insurance shrugged. The special event coverage seems like overkill for daily drivers, but if you’ve put real money or time into your car, it’s probably worth considering. Honestly, peace of mind is hard to put a price on, especially if you’re showing something rare or sentimental.
