I don't believe in full coverage insurance. I just have liability. No worry about claims, unless somebody (with insurance) hits me.

It wouldn't make much sense for me to have full coverage insurance. I probably have seven grand in my '83, and I doubt if I could extract two from an insurance company over it.

If, for some odd reason, I did decide to have full coverage and they did me like the OP, I'd be pretty angry, but not really surprised. Insurance companies do all kinds of mean and nasty and ugly things for short term profit.

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Whoever said there's nothing more expensive than a cheap Mercedes never had a cheap Jaguar.

83 300D Turbo with manual conversion, early W126 vented front rotors and H4 headlights 401,xxx miles
08 Suzuki GSX-R600 M4 Slip-on 26,xxx miles
88 Jaguar XJS V12 94,xxx miles. Work in progress.
99 Mazda Miata 183,xxx miles.