"It sucks that we have to do that, but I learned the hard way that insurance companies aren't exactly eager to hand over money."
Man, I feel your pain. Had a similar thing happen when a tree branch fell on my '68 Mustang during a storm. Thought I was covered, but nope—turns out "acts of nature" weren't included in my basic policy. Now I triple-check everything, even if it's tedious. Better safe than sorry, especially with classic cars where repairs can get pricey fast...
That's rough about your Mustang—classic cars can be tricky when it comes to coverage. A lot of folks assume their basic policy covers weather-related damage, but usually, that's under comprehensive coverage, which isn't always standard. I've seen plenty of cases where people got blindsided by fine print. Curious if anyone here has ever upgraded their policy after an incident like this, or did you stick with the basics and hope for the best?
"I've seen plenty of cases where people got blindsided by fine print."
Yeah, learned that lesson the hard way myself. Couple years back, a tree limb crushed my windshield during a storm—thought I was covered, but nope. Upgraded to comprehensive right after... peace of mind is worth the extra few bucks.
Yep, comprehensive coverage is a must if you're in an area prone to storms or hail. Here's what you do: first, double-check your policy—don't assume anything. Second, ask your insurer directly about hail and storm damage specifically. Third, keep an eye on deductibles; sometimes they're higher for hail damage. Learned this after my neighbor's car got hammered by golf-ball-sized hail... he thought he was good, turns out he had a massive deductible. Ouch.
Good points. I've always been a bit skeptical about comprehensive coverage because insurers can be sneaky with those deductibles—especially on older classics. Mine's garaged, but still... hailstorms don't exactly announce themselves. Heard stories of guys getting blindsided even with decent coverage because the car's "agreed value" wasn't updated regularly. Anyone here had trouble getting fair payouts on classic or collector cars after storm damage? Curious how insurers handle the valuation in practice.
