Re: Insurance thoughts (was Re: IML: costs in Mississippi, and request for insurance specifics)

[<50scars@xxxxxxxxxxxx>]

The problem with insuring your collector cars along with everything else
is that the underwriters rarely understand it other than something below
book value, there fore worthless, and they consider it to be use like
other cars, daily.  I am not sure what you have, but I fear the worst,
that you may not actually have any insurance at all.


> Dear Mrs. Carter,
>                        I just asked my stepfather how my Packard is
> insured and he replied that, like all our other cars (2005 Chevrolet
> Equinox, 1994 Jeep Cherokee, 2001 Mazda Tribute), the Packard is in a
> package deal that is lumped into the insurance on the house. Supposedly
> all I have is liability insurance, but I don't know about our other
> automobiles. Our insurer is Nationwide if that is any help... all I had
> to do to get the Packard insured was provide them with the VIN (I tried
> to explain to them that it doesn't really have a VIN, but they insisted
> on a number, so I just gave them the one off of the delivery placque).
> I hope this helps in some way?
>
>
> Yours truly,
>
>
> I.H.Dexter
>
> 1947 Packard Super Clipper
>
> -----Original Message-----
> From: Clint and Laurie Carter <imperialschooner@xxxxxxxxxxxx>
> To: mailing-list@xxxxxxxxxxxxxxxx
> Sent: Fri, 12 May 2006 09:12:01 -0700
> Subject: Insurance thoughts (was Re: IML: costs in Mississippi, and
> request for insurance specifics)
>
>   Michael, and others~
>
>   When we bought our '65 Crown Coupe we insured it with State Farm. I
> was thrilled, because like Fred, the premium for an antique car was
> super low. Then the State Farm folks got the pictures of the car and
> decided it wasn't an antique, just old and the premium went up to
> $1300/year. Part of their reasoning was that the engine compartment was
> dirty and had not been repainted! Also, the car had not been restored.
> As I recall, State Farm did not have restrictions on storage or use,
> although there may have been a mileage cap.
>
>   We were not happy campers and have not renewed the State Farm
> insurance. I would not recommend State Farm as I feel their definition
> of antique is screwy.
>
>  Laurie Carter
>  Ilwaco, WA USA
>  '65 Crown Coupe...his
>  '59 Crown...mine
>
>   ----- Original Message ----- From: "Michael O. Mann"
> <mann340s@xxxxxxxxxxxxx>
>  To: "IML" <mailing-list@xxxxxxxxxxxxxxxx>
>  Sent: Friday, May 12, 2006 7:33 AM
>   Subject: IML: costs in Mississippi, and request for insurance
> specifics
>
>  > All,
>  >
>  > I might have deleted too quickly, but haven't seen much specifics on
> restrictions with the antique/classic car insurance.
>  >
>   > For those of you who have such, and are willing to give your
> thoughts, > what
>   > restrictions are there from the insurance company regarding use and
>> storage?
>  > Covered, secure, heated??? What about mileage limitations? Would you
> recommend the company?
>
>
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