Yeah, insurance wording can be a real minefield sometimes. I've handled claims where the definition of "occasional driver" turned into a full-blown debate—definitely not fun for anyone involved. Good on you for double-checking afterward, though. Classic cars like your Mustang are tricky enough without adding insurance headaches into the mix. Glad it all worked out smoothly in the end... proactive beats reactive every time.
"I've handled claims where the definition of 'occasional driver' turned into a full-blown debate—definitely not fun for anyone involved."
Haha, been there. Insurance companies love their vague wording, don't they? Makes you wonder if they do it on purpose just to keep things interesting... or frustrating. Did your friend have their own insurance at least, or was it all on yours? I lent my old Jeep once and learned the hard way—now I always double-check coverage before handing over keys. Glad your Mustang survived the drama though, that's the real win here.
Yeah, insurance wording is intentionally fuzzy—gives them wiggle room when things get complicated. Honestly, the whole "occasional driver" thing feels like a trap waiting to spring. I had a buddy borrow my car once, and even though he had his own coverage, it turned into a nightmare figuring out whose policy kicked in first. Now I just assume worst-case scenario and triple-check everything... lesson learned the hard way, haha. Glad your Mustang made it out unscathed though—that's definitely a relief.
Yeah, lending cars always feels like rolling dice... insurance companies love their loopholes. Had a similar scare once when my brother borrowed my '68 Camaro—thankfully nothing happened, but it made me rethink the whole "occasional driver" thing too. Glad your Mustang survived without drama, that's a win in itself. Better safe than sorry, especially with classics.
Had a similar experience myself, and after some digging around, here's what I found helpful: first, always double-check your policy's fine print about "permissive use"—some insurers are sneaky about that. Next, if someone borrows your car regularly (like more than once or twice a month), it's safer to list them explicitly as an occasional driver. Yeah, it bumps your premium slightly, but way cheaper than dealing with denied claims down the road... especially with classics involved. Learned this the hard way with my old BMW.
