When the worst happens
Choosing the correct collector car insurance
We've all had those moments while driving a vintage car that make us wonder just how we managed to keep from being hit by someone else. Even though we have those moments while driving our ordinary cars, they seem to be more disturbing while behind the wheel of our pride and joy. Poor drivers are nothing new, in fact, they've been around for a while.
White Steamer wrecked during the 1905 Glidden Tour. Photo from the Detroit Public Library
Being the automotive enthusiasts we are, we have planned for the unfortunate event of something happening to our cars. Modern classic car insurers were largely founded at the same time as specialty auto parts manufacturers. Just like companies that produce hard to find parts, these companies are able to provide a much needed service to the collector car community.
Mayhem can happen, in the most unexpected places. Photo by Chris Breeden
I have been using the same insurance company for the last 10 years. I went with them because of something I witnessed at a car show over a decade ago. One of the other show attendees suffered a blown tire on his car while on the way to the show. The exploding tire damaged the rear fender, brake lines and rim of his car. After calling his agent the owner quickly found himself being towed to a garage that repaired the brake lines, installed a new tire and steel rim and made some makeshift repairs to the fender. Shortly after getting to the show, a representative with the insurance company arrived to take pictures of the damage. The rep even bought a replacement fender for the owners car from a vendor at the show. The owner took the new fender home with him and was able to get it painted and installed at a repair shop of his choosing. That's service above and beyond.
When choosing your insurer it's important to think about how you use your car. If you drive it to work occasionally is your insurance company going to cover it? How about while it's in winter storage? Ask as many questions as you can at the beginning of the process, so you know what to expect if the unexpected happens.
