Yeah, totally agree—appraisals are good, but they're not a magic shield. I've seen similar issues pop up in my circle too. One thing I've noticed is that some insurers specialize in agreed-value policies specifically tailored to classic cars. They're usually a bit pricier, but they tend to understand the value and rarity better, so there's less hassle if something happens. Still, even then, it's smart to read the fine print carefully—some policies have sneaky clauses about mileage limits or storage conditions. I've learned it's best to assume nothing's guaranteed and just cover your bases as thoroughly as possible.
Good points there—I learned the hard way about mileage limits. Had a policy once that seemed perfect, but turns out I was capped at 3k miles a year. Ended up paying extra fees when I went over... lesson learned. Now, I always double-check mileage and storage clauses before signing anything. It's tedious, sure, but worth the peace of mind knowing exactly what's covered. Sounds like you're already on the right track being cautious though, so you're ahead of most folks.
Mileage limits can definitely sneak up on you—I had a similar issue a while back. Thought I'd scored a sweet deal on coverage for my '68 Mustang, but turns out the policy had strict storage requirements. Missed the fine print about needing a locked garage... ended up scrambling to find a new spot mid-policy. Now I'm skeptical of anything that seems too good to be true. Always worth digging into those details, even if it feels like homework.
Been there myself, those fine print clauses are sneaky. Thought I had a decent setup for my old Chevy, but ran into trouble when I realized the coverage didn't extend to road trips out of state. Ended up biting the bullet and upgrading to a slightly pricier plan that covered more scenarios.
Makes me wonder though, how strict are insurers typically about enforcing mileage limits or storage rules? Like, do they actually check odometers regularly or inspect your garage setup, or is it mostly an honor system unless you file a claim? Curious if anyone's had experience with being audited or questioned about their policy conditions...
Had a similar experience with my classic Mustang. Insurer never checked mileage routinely, but when I had a minor fender-bender, they asked for odometer pics and garage details. Seems like they're chill until something actually happens...then they start digging a bit deeper.
