Good point about double-checking exclusions, but honestly, most classic car owners I know skip the agent entirely and go straight to specialty insurers. Regular policies often screw you over on value—learned that one the hard way...
Yeah, specialty insurers are great if you can swing it, but honestly, for those of us on tighter budgets, sometimes it's about finding the sweet spot between coverage and cost. I learned to always ask specifically about hail and weather damage after a buddy's car got pummeled by golf-ball-sized hail—insurance shrugged and said "act of God." Lesson learned: always read the fine print...and maybe invest in a sturdy car cover.
Yeah, specialty insurers sound good in theory but honestly, I've always been skeptical about whether they're worth the extra cash. A few years back, I had a similar wake-up call. My sedan got nailed by a freak hailstorm—nothing huge, but enough to leave some nasty dents all over the hood and roof. Called up my insurance feeling pretty confident, only to find out hail wasn't covered unless I had comprehensive (which, of course, I didn't...saving money and all). I argued a bit, but nope, got the same "act of God" line.
Since then, I've been way more careful about reading policies closely. Still not sold on specialty insurers though—seems like you pay a premium for something that might never happen again. Instead, I upgraded to comprehensive with a slightly higher deductible. Costs more than basic coverage, but at least now I know I'm covered if Mother Nature decides to play rough again.
Yeah, comprehensive coverage is definitely the way to go if you're cautious about these things. Had a similar scare myself—nothing major, just a tree branch that missed my car by inches during a storm. Made me rethink my barebones policy real quick. Specialty insurers seem tempting, but like you said, it's hard to justify paying extra for something so rare. Comprehensive feels like a decent middle ground...peace of mind without breaking the bank.
"Had a similar scare myself—nothing major, just a tree branch that missed my car by inches during a storm."
Reminds me of the time I parked my car at my brother-in-law's place during Thanksgiving. Thought nothing of it until his neighbor's trampoline decided to take flight during a freak windstorm. Yeah, you read that right—a trampoline. Landed smack dab next to my car, missed it by maybe a foot. I was on liability-only at the time and believe me, that was a wake-up call. Switched to comprehensive coverage the next week.
Still, I've always wondered—how common are these 'rare' incidents really? Feels like everyone has some bizarre close-call story. Maybe we're all just luckier than we think...or unlucky enough to almost get hit by flying trampolines and rogue tree branches. Has anyone actually had to file a claim for something weird like that? Curious how smoothly insurance handles those unusual scenarios.
