Yeah, mileage checks usually aren't a huge deal unless you're way over. Insurers mostly just adjust your premium if you push the limits a bit. Still, better safe than sorry—those classic car policies can get pricey fast...
Yeah, mileage checks are usually pretty chill, but I've seen a few cases where insurers got picky—especially with classic or collector cars. Had a client once who underestimated mileage by quite a bit, and the insurer didn't just bump the premium; they actually limited coverage until he updated the policy. Wasn't a huge hassle, but definitely caused some unnecessary stress.
On the PIP side of things, mileage doesn't really factor in directly, but it's still smart to keep everything accurate. PIP claims can get complicated enough without giving insurers any extra reasons to dig deeper. Better to keep things straightforward and avoid surprises down the road...
Good points on mileage accuracy—hadn't really thought about insurers getting picky with classic cars, but it makes sense. My daily driver isn't exactly a collector's item (unless you count coffee stains and old receipts as vintage charm...), but I've always figured it's better to overestimate mileage a bit to avoid headaches. With PIP, you're right, mileage isn't directly relevant, but insurers love any excuse to complicate things. Keeping details accurate saves a lot of hassle later on.
"My daily driver isn't exactly a collector's item (unless you count coffee stains and old receipts as vintage charm...)"
Haha, sounds exactly like mine—minus the charm maybe. Totally agree on overestimating mileage; better safe than sorry when dealing with insurers. I've seen friends get tangled up in paperwork nightmares because they underestimated or weren't precise enough. PIP might not hinge on mileage, but insurers definitely have a knack for complicating even straightforward claims. Keeping details accurate upfront is just smart budgeting—avoids surprise costs down the road.
Mileage accuracy definitely helps, even if PIP doesn't directly factor it in. Insurers can get picky about details, and the last thing you want after an accident is paperwork drama. Had a buddy who underestimated mileage by quite a bit—ended up in endless back-and-forth emails to sort it out. Better to be upfront and precise from the start, saves headaches later...
