RE: Insurance thoughts (was Re: IML: costs in Mississippi,and request for insurance specifics)

["Frederick Joslin" <fljoslin@xxxxxxxx>]

If my only interest is in liability coverage to keep the Lottery Lawyers away, am I better off with Classic Car only insurance or my daily driver provider (State Farm in my case) with a multi million $ umbrella policy?

The value of the vehicle, any vehicle short of a hemi Cuda, is inconsequential when compared to the potential loss from litigation.

----- Original Message -----
From: "Jim Petty"
To: mailing-list@xxxxxxxxxxxxxxxx
Subject: RE: Insurance thoughts (was Re: IML: costs in Mississippi, and request for insurance specifics)
Date: Fri, 12 May 2006 15:01:57 -0400


I think Condon & Skelly (1-800-257-9496) offers policies for classic cars


> From: "Clint and Laurie Carter"
> Reply-To: mailing-list@xxxxxxxxxxxxxxxx
> To:
> Subject: Insurance thoughts (was Re: IML:
> costs in Mississippi, and request for
> insurance specifics)
> Date: Fri, 12 May 2006 09:12:01 -0700
>
> Michael, and others~
>
> When we bought our '65 Crown Coupe we insured
> it with State Farm. I was thrilled, because
> like Fred, the premium for an antique car was
> super low. Then the State Farm folks got the
> pictures of the car and decided it wasn't an
> antique, just old and the premium went up to
> $1300/year. Part of their reasoning was that
> the engine compartment was dirty and had not
> been repainted! Also, the car had not been
> restored. As I recall, State Farm did not
> have restrictions on storage or use, although
> there may have been a mileage cap.
>
> We were not happy campers and have not
> renewed the State Farm insurance. I would not
> recommend State Farm as I feel their
> definition of antique is screwy.
>
> Laurie Carter
> Ilwaco, WA USA
> '65 Crown Coupe...his
> '59 Crown...mine
>
> ----- Original Message ----- From: "Michael O. Mann"
> To: "IML"
> Sent: Friday, May 12, 2006 7:33 AM
> Subject: IML: costs in Mississippi, and request for insurance specifics
>
>
>> All,
>>
>> I might have deleted too quickly, but haven't seen much specifics on
>> restrictions with the antique/classic car insurance.
>>
>> For those of you who have such, and are willing to give your thoughts, what
>> restrictions are there from the insurance company regarding use and storage?
>> Covered, secure, heated??? What about mileage limitations? Would you
>> recommend the company?
>
>
>
>
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Fred Joslin