classic car daily driver insurance?

[Lee H]

I'll be watching this. I have not been able to find an insurance company that would cover a classic as a daily driver at an "agreed to value" in the event of a total loss. When questioning State Farm, AAA, Mercury, to name a few, the bottom line was, in the event of a total loss, market value would be paid. Maybe some states have different insurance regulations? I currently use American Collector Insurance for my vettes. Some of the restriction are, cap on miles per year (I have to declare my mileage each year with renewal), locked garage, DD car for each licensed driver in the house, if wrecked or stolen at a place like the grocery store, mall, place of work, etc, no coverage.

[CG]

Originally Posted by Lee H

... if wrecked or stolen at a place like the grocery store, mall, place of work, etc, no coverage.

So if you are out and about and stop at a store to grab a few things on the way home and anything happens to your ride you are not covered? Or you run into a 7-11, or maybe go to a car show in a mall parking lot?

Im not trying to be smart, just really curious as to when you are covered.

[E.Furgal]

Originally Posted by CG

So if you are out and about and stop at a store to grab a few things on the way home and anything happens to your ride you are not covered? Or you run into a 7-11, or maybe go to a car show in a mall parking lot?

Im not trying to be smart, just really curious as to when you are covered.

if the lot was the car show then your fine.. if the 7-11 was part of your cruise and you got a soda, your fine.. you stop at stop and shop and buy all your food shoping. then no..
I was told I can drive to work.. but not everyday.. like if I was going to a cruise after work that be fine.. on sat. but mondays rust hour traffic is o u t out..
if it gets jacked while having dinner.. you'd be fine..
if you drove to the mall to shop.. nope..

[CG]

Originally Posted by E.Furgal

if the lot was the car show then your fine.. if the 7-11 was part of your cruise and you got a soda, your fine.. you stop at stop and shop and buy all your food shoping. then no..
I was told I can drive to work.. but not everyday.. like if I was going to a cruise after work that be fine.. on sat. but mondays rust hour traffic is o u t out..
if it gets jacked while having dinner.. you'd be fine..
if you drove to the mall to shop.. nope..

Ok, thanks for the info. Im considering going to a collector type insurer myself and its nice to know all the little ins and outs.

[Dunenutt]

Originally Posted by CG

Ok, thanks for the info. Im considering going to a collector type insurer myself and its nice to know all the little ins and outs.

It all comes down to pleasure. Anything involved with cruising, showing, road trip ect. is understood and considered part of it. You are going to have issues with having it stolen from Home Depot

[RINC]

My Dad an I need to look into this more. I have heard from friends that the state of Arizona changed its laws recently.

I need to keep an eye on this thread also.