Yeah, agreed-value is definitely the way to go. I learned that the hard way after my '72 Charger got sideswiped. Thought I was covered until the insurer started nitpicking every aftermarket part I'd added... lesson learned.
"Ended up repainting it three times before they finally admitted defeat..."
Sounds painfully familiar—had a similar runaround myself. Now I document everything meticulously, photos, receipts, the works. Can't be too careful with vintage rides.
Man, hearing these stories makes me wonder if I'm being thorough enough with my own documentation. I've got some receipts stashed away, but maybe I should start snapping more pics of the small stuff too. Crazy how insurers will nitpick every little detail... Glad you eventually got them to come around though—that persistence is impressive.
You're smart to reconsider your documentation approach. It's surprising how many drivers underestimate the importance of thorough records until something actually happens. Receipts are good, but insurers often look for visual proof of condition and authenticity, especially with vintage vehicles. I learned this the hard way after a minor fender-bender—my insurer questioned whether certain parts were original or aftermarket. Luckily, I'd taken detailed photos beforehand, so it wasn't a huge hassle.
Have you considered doing regular walk-around videos? They can capture more comprehensive detail than static photos, and they're easy enough to do with your phone every few months. Could save you a headache down the line...
"Have you considered doing regular walk-around videos? They can capture more comprehensive detail than static photos..."
That's actually a pretty solid tip. I started doing quick videos myself after a buddy had trouble proving the condition of his classic Mustang to his insurer. Photos are good, but videos really show the whole picture—especially if you narrate a bit about recent upgrades or repairs.
One thing I'm curious about though: does anyone here use specialized vintage car insurance instead of regular coverage? I've heard it can be cheaper and more tailored to older vehicles, but I'm not sure if there are hidden downsides or restrictions. Would love to hear some firsthand experiences before I look into switching...
"I've heard it can be cheaper and more tailored to older vehicles, but I'm not sure if there are hidden downsides or restrictions."
Cheaper...sometimes, but keep an eye on mileage limits. A buddy of mine went for vintage car insurance because of the lower premiums, only to realize later he had strict mileage caps and couldn't drive his '69 Camaro as freely as before. So make sure you ask about usage restrictions upfront—otherwise, the savings might not be worth it.
