what is my car worth?, getting classic car insurance |
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what is my car worth?, getting classic car insurance |
914 RZ-1 |
Apr 23 2019, 08:19 PM
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#1
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Porsche Padawan Group: Members Posts: 683 Joined: 17-December 14 From: Santa Clarita, CA Member No.: 18,230 Region Association: Southern California |
AAA offered to come by and appraise my car so I can switch from the "normal" car insurance I currently have on my 914 to classic car insurance for the stated value.
I have AAA for all my insurance, so I'm not interested in going elsewhere at this time. Car is not painted an official Porsche color. It's "Shiny Primer Gray". I did not paint the engine bay or area around the gas tank. The original color was Metallic Silver. All new rubber seals, top has been painted and texture-coated with Wurth's, bumpers are re-chromed, engine is stock 1.7L (the only mod is Pertronix ignition), I have a side-shift transmission and recently re-built the transmission, interior is nice, except I have a dash cover hiding some cracks. I have later doors. Heater works, too! I've posted some pics. Let me know what you think I should use for stated value. |
914 RZ-1 |
Apr 30 2019, 08:31 PM
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#2
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Porsche Padawan Group: Members Posts: 683 Joined: 17-December 14 From: Santa Clarita, CA Member No.: 18,230 Region Association: Southern California |
They rejected the car for coverage. Here's what the underwriter said:
Our underwriting staff has completed a review of your recent submittal application for California Collector Car Insurance. We regret we can not insure you at this time because the total ratio of drivers to vehicles in your home is such that this vehicle would be considered a primary, secondary, or alternate use vehicle for you. This use condition is not acceptable for the Collector Car Policy with the Exchange She emailed me the following: If an additional vehicle is purchased that we could rate your daughter on, or just an additional vehicle in general, the policy would then qualify based on the underwriter’s reasoning. If that is an option for you and your family in the future, please let me know so we can reapply. I have 3 cars (minivan, truck and 914) and 3 drivers. I think it's just asinine to assume or even think that I would consider letting a 17 year-old new driver behind the wheel of my 914. I wish the agent would have said something before this all happened. We might get another car for my daughter, but for now she can drive the minivan or my truck. I left a message with the agent. Stay tuned. Looks like I'll need to call Hagerty. |
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