RE: RE: [Chrysler300] Insurance

[Doug Warrener <dwarrener@xxxx>]

Steve, Since you reside in California, 21st Century Insurance has a very
reasonably priced Umbrella package if they carry your underlying insurance.
I have had my automobile insurance with them for about 30 years and have
always been treated fairly. Doug Warrener

-----Original Message-----
From: smopar@xxxx [mailto:smopar@xxxx] 
Sent: Wednesday, February 25, 2004 12:54 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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