Haha, classic cars are one thing, but even lending out my old Civic made me nervous. Learned the hard way—always double-check your insurance policy first, saves a ton of headaches later... trust me on this one.
Totally agree—insurance fine print is no joke. Even if your friend is the safest driver you know, accidents happen, and suddenly you're knee-deep in paperwork. I once lent my car to a coworker for a quick errand, and he ended up rear-ending someone at a stoplight. Thankfully, my policy covered it, but my premiums jumped noticeably afterward. Lesson learned: lending your car isn't just about trust; it's about being prepared for the unexpected.
Had a similar experience a couple years back—lent my car to my brother, who's usually super careful. He scraped someone's bumper while parking, nothing major but still... paperwork, deductible, and yep, higher premiums. Now I always think twice before handing over the keys.
Did you check with your insurance beforehand about lending your car out? Some policies actually have specific clauses about occasional drivers or people outside your household. I learned that the hard way when my roommate borrowed mine and got into a fender-bender... turned out my policy covered it, but just barely. Might be worth double-checking with your agent to see if there's anything you can adjust or clarify to avoid surprises down the road.
"Might be worth double-checking with your agent to see if there's anything you can adjust or clarify to avoid surprises down the road."
That's a good point, but honestly, how much can you really trust what your agent says over the phone? I've had instances where agents gave vague reassurances, and when push came to shove, the fine print said otherwise. Maybe it's better to just read through the actual policy documents yourself—tedious, I know, but at least you'd know exactly what's covered...
