did you just carry a second policy? or is that even allowed?
Yes, that's allowed. You'll end up with less than ideal coverage for the car itself, but it's better than nothing. The collector car insurer would deny coverage (both collision and liability) if you allowed an underage driver to drive the vehicle and there was an accident, even if it was the other person's fault. The regular insurer would need a copy of the coverage denial letter the collector car insurer would send to you and the underage driver. Once they had that, they'd handle your claim like normal. That process can take a bit, so it may inconvenience you, but worse, it may add to the inconvenience of the other driver if your driver was at fault.
or did you just not let your kid drive it?
That's the best idea/least amount of hassle.
