Had a similar experience myself—thought collision covered everything until a raccoon decided to test my brakes. Turns out animal collisions typically fall under comprehensive coverage, and yeah, that's pretty standard across states. Still, always worth checking specifics... insurance loves its fine print.
Had a buddy run into something similar with his classic Mustang. He figured comprehensive would cover hitting a deer, but turns out the fine print had some weird exceptions for "vintage" vehicles. Makes me wonder—does PIP coverage have any special quirks or limitations when it comes to older or collector cars? Insurance companies always seem to have an extra layer of complexity for classics...
"Makes me wonder—does PIP coverage have any special quirks or limitations when it comes to older or collector cars?"
Funny you mention this... I had a similar question come up when my uncle got into a minor fender-bender with his '68 Camaro. He wasn't sure if his PIP would cover medical expenses since the car was insured as a classic. Turns out, PIP coverage generally focuses on medical costs for injuries, regardless of vehicle age or type. The main complexity with classics usually revolves around comprehensive or collision coverage, where insurance companies get picky about valuations and repair costs.
But here's the catch: some states or insurers might have special clauses if the car is registered as a vintage or collector vehicle, especially if you're on a limited-use policy. My uncle ended up double-checking with his agent and found out he was good to go, but it was definitely worth the call for peace of mind. I'd suggest checking your policy documents or giving your insurance rep a quick call—better safe than sorry when it comes to classics and their quirks.
Interesting point about collector cars and PIP—hadn't really considered it before this thread. Seems logical that PIP's mostly about medical costs, so vehicle age or classification wouldn't typically factor in. But it got me thinking about how usage restrictions might impact coverage indirectly.
- If your policy explicitly limits mileage or specifies particular usage scenarios (like only for shows, parades, or weekend drives), could violating those conditions potentially cause issues if there's an accident?
- Also curious if insurers scrutinize the circumstances more carefully for collector cars, maybe checking mileage records or event registrations to verify compliance.
"some states or insurers might have special clauses if the car is registered as a vintage or collector vehicle, especially if you're on a limited-use policy."
I remember my neighbor had an old Corvette insured as a classic, and he was really strict about how much he drove it because his insurer required annual odometer readings. He told me once he was paranoid about driving it even slightly over the limit because he worried they'd deny claims or hike premiums. Maybe he was overly cautious... but it does make me wonder how strictly insurance companies enforce those mileage clauses.
Has anyone run into trouble with their insurance after exceeding mileage limits on a classic policy—or heard of someone who did? Seems like it could be a gray area worth clarifying.
I've heard similar stories about insurers checking mileage, but from what I've seen, it's usually not as strict as people fear. A friend of mine had a classic Mustang on one of those limited-use policies and went slightly over the mileage limit one year. The insurer didn't deny his claim after a minor accident, but they did bump up his premium at renewal.
"He told me once he was paranoid about driving it even slightly over the limit because he worried they'd deny claims or hike premiums."
Seems like mileage checks are mostly about pricing rather than outright claim denial...but policies can vary. Always good to double-check your specific terms.
