RE: RE: [Chrysler300] Insurance

["D'Aloise, Lawrence Jr." <ldaloise@xxxx>]

Allstate. The coverage is for liability alone since the collector cars are
covered for collision, comprehensive etc by the collector car insurer,
Haggerty, as well as for PIP(no-fault) and basic liability coverage of
$300000 I believe. In order to get umbrella coverage, one needs to have
underlying liability coverage of a certain amount, which varies depending on
the insurer. I believe Allstate requires Underlying limits of $250000. Don'
forget that underinsurance, sometimes called supplemental uninsured coverage
is very important to have. Underinsurance covers you for pain & suffering
from injuries to yourself or others in your car if the insurance on the
other car is not sufficient. The topic of underinsurance is complicated &
this coverage may not be available in all states. Suffice it to say, if it's
available to you, you ought to have it.

Larry D'Aloise 

-----Original Message-----
From: smopar@xxxx [mailto:smopar@xxxx]
Sent: Wednesday, February 25, 2004 3:54 PM
To: D'Aloise, Lawrence Jr.; 'Terry Lynch'; Chrysler300@xxxxxxxxxxxxxxx;
Charles M. Kreszock
Cc: Charles M. Kreszock
Subject: Re: RE: [Chrysler300] Insurance



> Lawrence, your comments were interesting. What company issues an umrella
policy for all your vehicles, including the collector cars? I assume you
have additional comprehensive, etc coverage through a collector car
insurance company as well then?
Steve Albu
> From: "D'Aloise, Lawrence Jr." <ldaloise@xxxx>
> Date: 2004/02/25 Wed PM 03:38:59 EST
> To: 'Terry Lynch' <terrytown@xxxx>,
Chrysler300@xxxxxxxxxxxxxxx, 
> "Charles M. Kreszock" <kreszockcm@xxxx>
> CC: "Charles M. Kreszock" <kreszockcm@xxxx>
> Subject: RE: [Chrysler300] Insurance
> 
> No collector car insurance will insure a car for daily driving. The reason
> the rates are inexpensive is that the vehicles are not used for errands
etc,
> & they are garaged. Although it is certainly important to have adequate
> coverage if your car is damaged or destroyed, the most important
> consideration is that you have adequate liability & underinsurance
> coverage.It doesn't do you much good to get full recompense for the damage
> to your car from your insurer if your car is destroyed in an accident that
> is your fault if you injure someone seriously & are faced with a
$1million
> dollar judgment and you only have $25000 liability coverage. The best
> solution is to have a basic policy & an umbrella policy which covers all
> your vehicles, including the classic cars. My umbrella policy covers my
> classic cars for only $10 each per year.
> Take this advice from a good source, a personal injury lawyer.
> Larry D'Aloise
> 
> ---Original Message-----
> From: Terry Lynch [mailto:terrytown@xxxx]
> Sent: Wednesday, February 25, 2004 2:00 PM
> To: Chrysler300@xxxxxxxxxxxxxxx; Charles M. Kreszock
> Cc: Charles M. Kreszock
> Subject: Re: [Chrysler300] Insurance
> 
> 
> The trouble that I'm having is finding a company who wants to write me a
> policy that allows more than just driving to shows, etc. I recently
acquired
> a '62 Dodge D100 and my long time carrier (USAA) informed me that they
will
> only write a liability policy. They will not write a policy for comp &
> collision on vehicles older that 20 years. My '64 300 is currently fully
> insured with them, so maybe it was grandfathered in since their new
> guidelines?
> 
> I called a whole slew of the 'Collector Car' insurance companies and have
> yet to find one who allows for;
> - vehicles not kept in a locked garage
> - vehicles driven in excess of 2000 or 3000 miles a year
> - vehicles driven ocasionally or moderately for running errands, driving
to
> work, etc. In other words what I would call a 'daily driver'.
> 
> I like my old cars and while none of them are concours quality show cars,
> they are in good condition and I want to be able to drive that dang
things!
> 
> Does anybody know of a company who might have stated value type policys
that
> allow some daily driving, etc?
> 
> Thanks
> Terry Lynch
> St. Peteersburg, FL
> 
> 
> 
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> 
> 
> To send a message to this group, send an email to:
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> 
> 
> 
> 



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