Definitely agree about checking your policy carefully. A lot of people assume they're covered for hail or storm damage, but sometimes that's only included if you've got comprehensive coverage—not just liability or collision. Learned that myself after a close call last year. Might be worth calling your insurer and asking specifically about hail damage... anyone here upgraded their coverage after a similar scare?
I get the logic behind upgrading coverage after a scare, but honestly, sometimes comprehensive isn't worth it depending on your car's value. I'm new to insurance myself and spent ages crunching numbers. If your car's older or not worth a ton, the extra premiums might outweigh the potential payout you'd get from hail damage. Might be better off setting aside some cash each month into an emergency fund instead... just something to consider before jumping into pricier coverage.
Been there myself with my old Mustang—spent ages debating comprehensive after a close call with falling branches. Ended up skipping it because the premiums didn't add up. Curious though, anyone know if classic car policies handle hail differently?
"Curious though, anyone know if classic car policies handle hail differently?"
- Usually classic car policies are agreed-value, meaning you set the insured value upfront.
- Hail damage is typically covered under comprehensive, same as regular policies, but payouts can be smoother since there's less arguing over depreciation.
- Watch out though—some classic insurers have strict storage requirements (garage-only, etc.). If your Mustang's parked outside regularly, they might deny claims.
- Bottom line: double-check your policy fine print ASAP... hail's no joke, learned that the hard way with my old Camaro.
Yeah, classic car policies can be a bit tricky. My uncle had a sweet old Corvette he babied like crazy, but when a freak hailstorm hit, he found out the hard way about those garage-only clauses. Luckily, his insurer was pretty fair since it was agreed-value coverage, but they definitely grilled him about storage habits. I'd say check your fine print closely—better safe than sorry, especially if your ride spends any time outdoors.
