Mike - that is not the way it works. There are two different insurance coverages at issue here - liability and collision (I'll lump comprehensive in with collision in this instance because they are similar enough for this discussion). Liability covers damage that the car does to other people and/or property. It pays for injuries caused to other people, damage to other cars, buildings, etc. Collision covers damage done to your car in the event of an accident. The collision part of the policy is generally the part that has the mileage limitations and is where most of the difference of opinion arises in terms of vehicle value. All the talk about stated value policies is really setting the maximum amount the insurance company will pay as the result of physical damage to the car. The thinking with limited use policies is that if you restrict the amount of time the car is on the road and the purposes of the trips, you reduce the risk of a collision and can therefore charge smaller premiums. There has been a lot of statistical analysis done to determine that most accidents occur during trips that happen during peak traffic times (going to and from work during rush hour) and at places where there will be a concentration of cars - such as shopping centers, grocery stores, etc. This is why limited use policies don't let you drive the car under those conditions. Your insurance policy covers your car, no matter who drives it or how their insurance is written. You may have a clause in your policy that states that it will cover you as a driver if you have an accident in a car not owned by you, such as a rental car, but that is usually for liabilty, not collision damage. Since you are the owner, you assume any liability for damages done by your car and to your car, no matter who drives. The assumption is that you have granted permission to the other driver. So, the bottom line is, make sure you abide by whatever limitations are stated in your insurance policy - no matter who is behind the wheel. -- Mike -------------- Original message from Mike Green <mikedx@xxxxxxxxx>: -------------- > Ok, what I mean is, say if you are insured for 7,500 miles per year. > you give your insurance company a reading of 12,000 and you set on > your way > > during the 12 months, you do 7,000 miles and somebody else, who is > also insured, say insurance that covers any car, does a further 2,000 > miles > > this brings us to 9,000 miles. you have only done 7,000 miles, and > your policy should still be valid. how do you prove that youve only > done 7,000 when the next reading says 21,000 miles for the renewal (or > a claim) > > I may just be being pedantic, but its an issue thats always puzzled > me, not just on deloreans but any regular car! > > Mike > [Non-text portions of this message have been removed] To address comments privately to the moderating team, please address: moderators@xxxxxxxxxxx For more info on the list, tech articles, cars for sale see www.dmcnews.com To search the archives or view files, log in at http://groups.yahoo.com/group/dmcnews Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/dmcnews/ <*> To unsubscribe from this group, send an email to: dmcnews-unsubscribe@xxxxxxxxxxxxxxx <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/