"Definitely learned that being stubborn pays off sometimes..."
Glad you stuck to your guns and got it sorted. Insurance companies can be frustratingly inconsistent with this stuff. Had a similar experience myself—though thankfully not as dramatic as a tree branch. A couple winters ago, my windshield cracked from ice buildup overnight. At first, insurance tried the "act of nature" line too, but after politely reminding them that I specifically opted for comprehensive coverage (exactly for situations like this), they reconsidered pretty quickly.
Honestly, it's always worth double-checking exactly what's covered in your policy ahead of time. I learned the hard way that cheaper isn't always better when it comes to coverage... sometimes paying a bit more upfront saves you headaches down the road. Glad yours worked out though—nothing worse than paying premiums only to get the runaround when you actually need help.
I get your point about paying more upfront, but honestly, higher premiums don't always guarantee smoother claims. I've seen plenty of people with expensive policies still get tangled up in red tape. It's more about knowing your policy inside out and pushing back when needed. Glad it worked out for you though...just wouldn't assume pricier always equals easier.
Yeah, totally agree with you there. I've been driving for years and learned the hard way that paying more doesn't always mean less hassle. Had a buddy who splurged on a premium policy thinking he'd be covered for everything, but when he got rear-ended, it was still a nightmare getting the claim sorted. Took weeks of back-and-forth calls and paperwork.
Honestly, like you said, it's about knowing exactly what's in your policy and being ready to push back if needed. I keep mine pretty basic, but I make sure I know exactly what's covered and what's not—saved me from some nasty surprises over the years. Glad things worked out for OP though...insurance claims can be such a headache sometimes.
That's exactly why I always tell people—especially classic car owners—to double-check their policies for stuff like hail, flooding, or even vandalism. A lot of folks assume comprehensive coverage automatically includes everything, but that's not always the case. Step one: actually read your policy documents carefully (boring, I know, but necessary). Step two: specifically look for exclusions or limitations on weather-related damage. If you're in an area prone to hailstorms or severe weather, you might need to add extra coverage or a rider.
I learned this after a buddy of mine had his '67 Mustang damaged by hail a few years back. He thought he was fully covered too, but turns out his policy excluded "acts of nature." He ended up paying out-of-pocket for repairs—wasn't cheap either. Since then, I always make sure my classics have clearly defined comprehensive coverage that explicitly mentions hail and storm damage. Better safe than sorry...
Thanks for sharing your experience—it's actually really helpful for someone like me who's just starting to navigate the maze of insurance policies. Honestly, I assumed comprehensive coverage would naturally include things like hail or flooding damage, but clearly that's not always true. Reading policy documents isn't exactly my idea of a fun evening, but I guess it's better than finding out the hard way later on.
Quick question though: when you mentioned adding extra coverage or riders, does that usually come with a significant increase in premiums? I'm trying to balance being cautious with not overspending unnecessarily. Also, do insurance companies typically make it clear what's excluded, or is it buried in fine print somewhere?
I don't own a classic car (yet... fingers crossed someday!), but even for my regular daily driver, I'd hate to be caught off guard by something like this. Thanks again for the heads-up—definitely something I'll be looking into this weekend.
