You didn't mention your ins. company, or which companies your agent
represents. I did have an agreed value and no usage restrictions,
with AAA in California (until I switched to classic coverage a month
ago). AAA just took photos of the car for verification. Policies
will differ in different states. But I'd say it's time to shop for
different insurance or agent.
Richard
At 08:43 PM 10/15/2007 -0400, Atkinson, Robert wrote:
I can't seem to find the right combination of insurance coverage: I
currently have "Classic Car" insurance which is very inexpensive
but
restricts how I can use my car. Next year, I want to use it as an
everyday car during the warm months. I have no problem with an
annual
mileage limitation that comes with classic car registration in New
Jersey but don't want an insurance restriction on using it go
shopping
or to work, for example. A conventional policy would be more
expensive
but has no usage restrictions (and cost isn't my principal concern:
I
want liability protection however I use the car.) The problem with
conventional insurance is there is no "agreed value" as with the
Classic
Car insurance and my agent says that the insurance companies she
represents would value my '66 BJ8 at about zero in case of an
accident
simply because of its age versus the $30K agreed value with the
Classic
Car policy.
So, is it possible to get an "agreed value" AND no usage
restrictions?
I'd be happy to buy two policies: a Classic Car policy to get the
agreed
value and a conventional policy for the "no restrictions"
(understanding
that the Classic Car firm might reject an agreed value claim if any
loss
was in connection with a prohibited use such as leaving the Healey
in a
parking lot while I'm shopping.) BUT my insurance agent says that
can't
be done: you can't have two policies-even insuring different
interests--on one car.
Suggestions? Experiences? Better agent?
Thanks
Bob Atkinson
_______________________________________________
rthrift@cox.net
Healeys@autox.team.net
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