I see your point about state regulations, but honestly, insurers could still do a better job simplifying things. When I bought my first classic Mustang here in Illinois, I thought I had everything covered—until I found out the hard way that "comprehensive" didn't automatically mean roadside assistance. Learned that lesson on a rainy night stuck near Springfield...not fun. Sure, regulations can be messy, but clearer communication from insurers would save us all some headaches.
"Learned that lesson on a rainy night stuck near Springfield...not fun."
That's definitely frustrating—especially with a classic car. Comprehensive coverage can be misleading if you're not familiar with the fine print. Curious, did you end up adding roadside assistance separately afterward, or find another solution?
"Learned that lesson on a rainy night stuck near Springfield...not fun."
Yeah, been there myself—nothing like discovering your insurance gaps at the worst possible moment. Step one: panic slightly. Step two: frantically google towing companies while rain drips onto your phone screen. Step three: swear you'll never let this happen again. I ended up adding roadside assistance separately afterward, but honestly, double-checking the fine print every renewal is key. Insurance companies love sneaking in those little surprises...
Yeah, getting stranded in the rain is basically a road trip rite of passage...been there myself outside Peoria. Nothing quite like squinting at your soaked phone screen while trying to figure out if you're covered or not. I ended up calling a buddy at midnight to bail me out—still owe him pizza for that one. Now I make sure roadside assistance is definitely included, but honestly, insurance fine print still gives me a headache every renewal.
"Now I make sure roadside assistance is definitely included, but honestly, insurance fine print still gives me a headache every renewal."
Haha, totally feel you on the fine print headache. But honestly, I'm not even sure if roadside assistance through insurance is always the best way to go. I mean, I've heard some stories from friends who had it bundled with their policy and ended up waiting forever for help to arrive. One buddy of mine got stuck near Springfield and waited almost three hours because the insurance company's contracted tow service was swamped that night. He ended up just calling a local towing company himself and paying out-of-pocket anyway.
I'm still pretty new to driving (just got my license last year), so maybe I'm missing something here...but wouldn't it sometimes be better to just keep a reliable local towing company's number handy instead of relying on insurance? Or maybe even AAA or something similar? At least then you'd know exactly who you're dealing with and might get quicker service.
Also, speaking of fine print—does anyone else find Illinois' minimum coverage requirements confusing? Like, I get that liability coverage is mandatory, but then there's uninsured motorist coverage too...and some people say it's optional while others insist it's required. I've tried reading through the official DMV site but honestly ended up more confused than when I started.
Anyway, glad your friend bailed you out—pizza debt is serious business haha.
