Yeah, good point about missed workdays—I hadn't really thought about that either. From what I've seen, PIP coverage definitely isn't uniform everywhere. Some states have pretty strict minimums, others let you choose your limits, and a few don't even require it at all. I remember my cousin in Florida mentioning how PIP was mandatory there, but when I moved to California, it wasn't even a thing. Honestly, insurance rules seem all over the place...typical, right?
"Honestly, insurance rules seem all over the place...typical, right?"
Haha, tell me about it. When I moved from Texas to Oregon, I had to completely rethink my coverage—PIP was mandatory here but optional back home. Felt like learning a whole new language... insurance dialects, anyone?
Yeah, insurance rules can be a maze. When I got my classic Mustang insured, figuring out how PIP applied to vintage cars was a headache... anyone know if classic car policies handle PIP differently? Seems kinda fuzzy.
"When I got my classic Mustang insured, figuring out how PIP applied to vintage cars was a headache..."
You're not kidding about the maze part—I deal with insurance claims daily, and even I had to pause when insuring my '68 Camaro. Classic car policies often have specific exclusions or limitations around PIP, depending on your state and insurer. When I asked my agent, he joked, "Well, if you're driving something older than me, expect some quirks." Definitely worth double-checking the fine print...
You're spot on about those fine-print quirks. When I insured my '71 Corvette, I thought PIP would be straightforward—boy, was I wrong. Classic car policies sometimes have these sneaky clauses that limit or even exclude certain coverages like PIP, especially since they assume you're driving less and taking fewer risks. My agent flat-out told me, "If you're planning on daily-driving this beauty, we need to talk," which made me pause and reconsider how often I'd actually take it out.
Honestly, it's not just about the fine print either—it's also about the actual coverage limits. Regular auto policies generally have clear-cut PIP amounts, but classic policies can vary widely depending on the insurer's risk assessment of your vehicle. Some insurers might offer reduced PIP coverage because they figure you're not commuting every day in a vintage ride, while others might charge you more just because replacement parts and repairs are pricier or harder to find.
I ended up doing a deep dive into my state's requirements and comparing a bunch of classic car insurers before settling on one. It wasn't fun (trust me), but it gave me peace of mind knowing exactly what was covered—and what wasn't—in case something happened. If you're still unsure, it might help to directly ask your insurer about hypothetical scenarios: "What if I'm injured in an accident? What if it's someone else's fault? What if a passenger is hurt?" Sometimes seeing concrete examples makes it easier to understand how PIP would actually kick in.
Bottom line is, classic cars are amazing to drive but definitely come with their own set of insurance headaches. Better safe than sorry when figuring this stuff out...
