That fine print really does sneak up on you... been there, highlighted that. I get what you mean about classics and coverage—feels like overkill to pay for stuff you barely use, but Nebraska doesn’t really care if your car’s a garage queen or not. I’ve asked agents about low-mileage/show car policies and some do offer them, but they still tack on uninsured motorist because of state law. It’s frustrating, but I guess if something happens on the way to a show, you’d want that backup. Still feels like a racket sometimes.
Yeah, Nebraska’s not messing around with that uninsured motorist bit. I get why it’s there, but man, it stings when your ‘72 Chevelle barely sees daylight and you’re still paying like it’s a daily driver. I tried to argue my case once—agent just shrugged and pointed at the law. Guess peace of mind costs extra, even for garage queens... Still, I’d rather gripe about insurance than risk some uninsured yahoo ruining my paint job on cruise night.
Yeah, it’s wild how Nebraska doesn’t really care if your classic barely leaves the garage—they just want that coverage on paper. I get it, but it feels like overkill for a car that’s basically a museum piece. Still, I’ve seen too many folks get burned when someone else’s insurance was a no-show... guess the state’s just trying to save us from that headache.
they just want that coverage on paper. I get it, but it feels like overkill for a car that’s basically a museum piece.
I hear you—it does seem like a lot for something that barely sees daylight. But honestly, I’ve seen situations where someone’s pride and joy got sideswiped in their own driveway, and the other driver had nothing. That uninsured motorist coverage can be a real lifesaver, even if it feels unnecessary most of the time. Nebraska’s just trying to keep folks from getting stuck with the bill when things go sideways. It’s not perfect, but I get where they’re coming from.
I get the frustration—it’s not like you’re taking your classic out for grocery runs every week. But insurance companies don’t really care if it’s a garage queen or a daily driver, they just see risk. What gets me is, if you’re already paying for comprehensive, does the mandatory uninsured motorist coverage actually add much value? Or is it just another checkbox on their forms? I’m not totally convinced it’s always necessary, but I guess it only takes one bad day to make it worth it... Ever had to actually use it?
