Sometimes those riders are like seatbelts: you hope you never need ‘em, but when you do... you’re glad you paid the extra few bucks.
I get what you mean, but I’ve always wondered—how do you actually figure out which riders are worth it? I just have the standard stuff on our minivan, but now I’m second-guessing if that’s enough when we go to big events. Do folks just call their agent before every show, or is there a checklist somewhere?
Honestly, it’s a bit of a maze figuring out which riders are actually useful and which are just fluff. I usually tell folks to think about what’s unique about the event—like, is it a crowded show, overnight parking, or are you hauling rare parts? There’s no universal checklist, but your agent should be able to walk you through the options without you having to call every single time. I wouldn’t stress too much unless you’re showing something super valuable or parking in sketchy spots. Most of the time, standard coverage is fine for the average minivan at a local event.
- Had a weird experience last fall—took my Odyssey to a community car show, nothing fancy, just for fun with the kids.
- Parked in what looked like a safe lot, but someone still managed to ding the side door. Wasn’t major, but insurance didn’t cover it since it was “event-related.”
- Now I always double-check what’s actually covered, even for “boring” family cars.
- If you’re not sure, it’s worth asking your agent...sometimes the little stuff slips through the cracks.
Now I always double-check what’s actually covered, even for “boring” family cars.
That’s honestly smart. I used to think, “Who’d mess with a beige Camry?”—but apparently, people have no chill. I got a mystery scratch at a local swap meet once. Didn’t even notice until I got home. Insurance said the same thing: “event-related.” Guess even the plain rides need some extra love sometimes.
Guess even the plain rides need some extra love sometimes.
- 100% agree, but I’ll admit, I’m still surprised how often “boring” cars get dinged at events.
- Event coverage is tricky—sometimes it’s excluded, sometimes it’s not. Always read the fine print.
- Had a client with a minivan get keyed at a school fundraiser. No one saw a thing.
- I’m skeptical about “full coverage” at public events. There’s usually a catch somewhere.
- Even if your car isn’t flashy, crowds and parking lots are wild cards. Better safe than sorry, honestly.
