RE: [Chrysler300] Collector Car Insurance

["jennifer allyn" <gearhead.girl@xxxxxxxxxxx>]

I was an insurance broker in California for many years.  We have had a
mandatory insurance law for quite awhile.  You should have no operational
vehicles insured for comp. only, no liability & no collision as there is no
risk of collision or liability.  You do want comprehensive coverage for fire
and theft.  Those are risks you run in owning any vehicle including one that
does not go down the road.  You do not need to present your registration for
vehicles that are not insured for liability and collision.  

Your registration could be held up if they DO NOT contact the state in a
timely manner.  It is a service that they are providing for you.  They are
being pro-active and that saves you headache and it saves then headache to
do it at renewal.  They just kick out of their computer insurance cards that
go to the state and into your glove box at renewal.  The reason they want a
copy of your registration is to ensure that the VIN is correct.  It is quite
easy to get a VIN wrong on an insurance card and then the state rejects it.


You are not giving either any information that they don't already have.
Both have your car's VIN and description, and your name and address on file.
Jennifer Allyn


-----Original Message-----
From: Tim Tomlinson [mailto:tomlin@xxxxxxxxx] 
Sent: Monday, February 07, 2005 6:23 PM
To: Chrysler 300 club
Subject: [Chrysler300] Collector Car Insurance


Group,
1.  I don't wish to restart the lengthy discussion we had on collector car
insurance from months ago.  I have a different tack to take on the subject.
2.  I have had Condon and Skelly for quite a few years.  This year as a
condition of renewal, they are requiring that I provide a copy of the
registration of each insured vehicle so they can contact my state, Illinois,
in a timely manner to appraise the state of my insured status.  Should I
have insured vehicles that are not licensed for use on the road, I am to
provide a copy of the Title for the same purpose.
3.  Now, Illinois, being fed up with all the uninsured drivers despite law
requiring liability insurance, has a new law effective 1 Jan 05 that you
must present proof of insurance when you register or renew registration.  
4.  Is Condon and Skelly being overly cautious?  Is there a danger in having
this information "out there" and likely in an automated database?  I do know
that when I was stationed in Germany in the latter 70's the Secretary of
State's office sent someone to verify that my previously licensed auto,
which was not renewed and the plates were off, battery pulled, etc., was
indeed "non-operational" since I didn't have a record with them of liability
insurance.  Dad had to take them to the storage facility and unlock it to
show them the car--which was inspected at length.
5.  I get goosey when folks start asking for information, which includes
personal details, and will likely store such on automated data bases with so
so security.  Does anyone know if this is the demands of the industry now???
Thanks,
Tim Tomlinson
2 X 300-K's
1 68 New Yorker


[Non-text portions of this message have been removed]




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