Bert,
I have *TWO* insurance policies with Farmers Insurance that are "stated"
value.
They are not cheap, but the two cars together are worth about
$20,000.
You haveto have an appraisal for the car from a real car appraiser and
then they get pics and info on the car. The local agent then waits on
someone at the home office to actually approve it.
On the other hand, I can pretty much drive either one ofthem any time I
please. I may have had leverage with my guy cause he loves me and my
wife...(8 cars insured total). Most of them are on very cheap "liability
only" policies tho.
Cheers, dave
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Enough sunlight reaches the Earth *every* hour to meet the world's
energy demand for an entire year.....so, what do we do with it?
On Wed, 13 May 2009, Bert Knupp wrote:
Volks,
Old topic, continuing dilemma. I'm trying to get insurance for my restored
'70. I obviously want a "stated value" policy as a collectible/antique car.
I do not have an enclosed, secure garage -- only a carport in an ordinary
residential neighborhood -- not a "gated community" with security.
As a result, Hagerty's will not cover me. I had a good quotation from
American Collectors Insurance, but when I went to activate it today, they
told me that I could store my car in a carport only if I lived in a secure
"gated community." (They didn't mention that restriction before.) Sawry.
My "regular" car insuror -- and two others I contacted -- told me they could
only insure my beetle as an old car -- not with my stated replacement value
of $12,000 -- and at a daily-driver rate.
I'll ask again: Does anybody on the list have good experience with a
collector-car insuror that does not require a locked, enclosed garage? I
can't even register the car without proof of insurance.
Advice would be welcome.
Prosit!
Bert Knupp in Music City USA
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