Yeah, your Mustang story reminds me of when I borrowed a friend's old Corvette—spent the whole weekend paranoid about potholes and parking lots! Temporary coverage sounds smart, but I'm wondering about the fine print. Does it usually cover stuff like hail or vandalism, or is it mostly just collision-related? I'd hate to pay extra and still end up sweating bullets under a gas station canopy...
Had a similar experience when I borrowed my brother's Porsche last summer—spent half the trip checking weather apps for surprise hailstorms, lol. From what I've seen, temporary coverage usually includes comprehensive stuff like vandalism and weather damage, but definitely double-check the specifics... policies can vary a lot.
Temporary coverage can seem reassuring, but honestly, it might not always be worth the hassle. I borrowed my friend's Audi once and looked into it—turns out my regular policy already had a clause covering short-term use of other vehicles. A lot of standard policies have this built-in, so you might be paying extra unnecessarily. Definitely worth checking your existing coverage first... could save you some cash and stress.
"Definitely worth checking your existing coverage first... could save you some cash and stress."
Yeah, good point. I was skeptical at first too, but turns out my policy covers occasional use of other cars as long as it's not regular. Still, always double-check the fine print—insurance companies love their loopholes.
Yeah, checking your existing coverage is smart, but honestly, sometimes even that's not enough. I learned that the hard way a couple years back. Thought my policy had me covered when borrowing a buddy's car for a weekend trip—turns out it only applied if the other vehicle was insured too. Guess whose friend had let his insurance lapse without mentioning it? Yep, mine.
Ended up getting pulled over for a busted taillight (not even my fault, I swear), and suddenly I'm staring down a ticket for driving uninsured. Cost me way more than temporary coverage would've, plus points on my license and higher premiums for years after. Insurance companies are sneaky like that—always some fine print or loophole you never even thought to check.
So now, whenever I'm borrowing or renting something, I just bite the bullet and grab temporary coverage. Yeah, it's annoying paying extra upfront, but compared to the hassle and expense of dealing with tickets or accidents uncovered... it's worth it to me.
But hey, maybe that's just my luck talking. Anyone else ever get burned by assuming their regular policy had them covered? Or am I just uniquely unlucky here?
