Depends on the coverage, unfortunately. If not at fault, then you are at the mercy of the other cars' insurance unless you have full coverage to compensate - which classic/collector car insurance usually is.
Only way to get true coverage on these older cars is to use someone like Hagerty. Then it has to be a garaged, second car that you use for shows or weekends etc, but they give awesome coverage. Gave me full stated value on the total loss of my e30 which is about four times what I would have in a regular insurance claim.
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