Insurance: classic vs. antique vs. standard |
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Insurance: classic vs. antique vs. standard |
JerryP |
Feb 26 2004, 12:31 PM
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#1
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member Group: Members Posts: 314 Joined: 8-October 03 From: Berwyn, PA Member No.: 1,225 |
Anybody use classic or antique insurance? I'm in PA with a '72 2.0. Grundy Worldwide says no coverage going to school, work or on errands. Anybody know the pro's and con's of this insurance? I want to know if I should dump my standard insurance and save about 75%. I don't use the car as a commuter but I would like to be covered if I get spanked by a Buick in the Home Depot parking lot. Ideas? Thanks.
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jtf914 |
Feb 26 2004, 04:07 PM
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#2
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Member Group: Members Posts: 428 Joined: 31-December 02 From: Burlington, CT Member No.: 58 Region Association: North East States |
QUOTE(DuckRyder @ Feb 26 2004, 04:22 PM) You do realize that SF writes a "Collector Car policy" (At least in most States) Watch "Stated Value" policies, they are not always "Agreed Value". If you buy an agreed value policy the declarations page should say some thing like: "Vehicle value is 9500.00" - "Limit of Physical damage coverage is 9500.00" If it says something like: "Estimated vehicle value is 9500.00, settle on ACV" The estimated value won't do you much good, but the company will charge premium based on it. Be careful with SF, I'm insured with them, I set up an Agreed Value policy with them, and then after hearing some SF "Agreed Value" horror stories, I called and starting asking questions again. After 10 minutes of giving me the run around he says: "Well technically, we don't do "Agreed Value" policies, but we'll check the market, and fight to get you as much money as we can if something happens to your car." (IMG:style_emoticons/default/bs.gif) Maybe SF does them some places, hell, my agent told me mine was for two years. CYA....... |
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