You're definitely doing the right thing digging into those details. When I insured our old family wagon (nothing fancy like your Corvette, just sentimental), I ran into similar headaches. Turns out insurers often assume classics are garage queens, not grocery-getters. Asking about specific scenarios was smart—wish I'd thought of that sooner. Anyway, good on you for taking the time to figure it all out... insurance is one place where surprises aren't fun.
Good points there. Couple quick things I'd add from experience:
- PIP usually kicks in regardless of who's at fault, covering medical bills and sometimes lost wages.
- But coverage limits vary a lot by state—definitely worth double-checking yours.
- And yeah, insurers rarely expect classics to see daily action... learned that the hard way with my old Mustang.
