Agreed value insurance limitations?

[TheBandit]

My current insurer AAA offers a collector car insurance with agreed value coverage, i.e. if the car is damaged they would pay the upfront agreed value without any need for me to provide documented value for the vehicle or negotiate the claim. This however comes with a few stipulations, specifically the car must be garage kept and be driven <2,000 miles per year. They also mentioned the car could not be driven for errands or commuting; it could only be used to drive to and from car shows. He said this is consistent with other classic car insurers like Haggerty. Huh what???

I can keep the mileage under 2,000 but I want to drive my car to work maybe one or two Fridays a month, occasional autocross (although I wouldn't necessarily expect they'd cover damage during an autocross), errands etc. The agent said "it would be fine to drive the car to work periodically" but he got squeemish when I said 80% of my current driving is not to car shows. So I posed the question: what if I decide to drive my car to work on a Friday and I get rear ended - is my car covered under the agreed value policy? He didn't give me a straight answer.



So I'm wondering - is this a real limitation of classic/collector car agreed value insurance or is this smoke? If I can't get agreed value insurance for my actual driving use, should I just go to a normal cash value policy that does not have these limitations and instead do a very meticulous job of documenting/estimating the value of my car, for example by getting appraisals?