COLLECTOR CAR POLICY: The vehicles are usually over 20 years old, but are in excellent condition and now only get driven in good weather and have limited miles per year. They also can not be the only vehicles for the household. They are insured at a stated value with pictures showing proof of value. Premiums are usually less than a normal auto policy, due to a low volume of claims, since these vehicles have a lot of tender loving care. Please contact us if we can help you with a collector car insurance policy.
BODILY INJURY LIABILITY: This covers other people's bodily injuries or death for which you are responsible for. Claims for bodily injury include, medical bills, loss of income, pain and suffering. Bodily injury does NOT cover you or other people on your policy.
PROPERTY DAMAGE LIABILITY: This covers you if your vehicle damages someone else's property, for example, another vehicle, fence or house.
UNINSURED MOTORIST COVERAGE: This covers you, the insured members of the household and your passengers for bodily injuries, damage or death cause by an at fault uninsured driver. If the other driver has no insurance, your policy will cover medical expenses, up to the limit on your policy.
UNDERINSURED MOTORIST COVERAGE: This covers you, the insured members of the household and your passengers for bodily injuries, damage or death cause by a person with insufficient insurance. If the other driver has insufficient insurance, your policy will meet the difference up to the limit on your policy.
MEDICAL PAYMENTS: This covers medical expenses to you and your passengers injured in an accident. The policy pays per person up to the limit on your policy.
COMPREHENSIVE COVERAGE: This covers your vehicle for losses resulting from incidents other than collision. It covers damages to your vehicle if it is stolen, damaged by fire, flood, animals and windshields. It pays to fix your vehicle less the deductible you choose.
COLLISION COVERAGE: This covers damage to your vehicle when your vehicle hits an object or another vehicle. It pays to fix your vehicle less the deductible you choose.