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We love collector cars and have the best products to cover your pride and joy. A Collector Auto program is a special auto plan designed to handle most collector vehicles, such as antiques, classics, street rods, “muscle” cars, show cars, sports cars, modified vehicles, modern collectibles and exotics. The program can even cover antique motorcycles, farm tractors, trucks, and vintage military vehicles.
There are usually very competitive rates offered by this program, and the underwriting philosophy is to limit the program to owners of collector vehicles who restrict the use of their vehicles. The rates are not designed for drivers under the age of 25 or drivers that have multiple problems with violations and accidents.
Collector Auto programs are designed for the owners who use their vehicles mainly for club and hobby activities, but may also use them occasionally for pleasure drives. Pleasure drives do not include general transportation usage such as running errands, to and from work, shopping malls, golf courses, etc. – all of which require leaving the vehicle unattended. Annual mileage usually has limitations of 2,500 to 3,000 miles, except in the case of Street Rods and Customized/Modified vehicles. These vehicles generally do not have mileage limitations.
Liability – protects you against lawsuit for injuries to people or property in an accident you cause. It also pays your legal defense costs, even in unwarranted legal actions.
Medical Payments Coverage/Personal Injury Protection – pays for medical bills for you and your passengers after a covered accident – regardless of fault.
Other Than Collision (OTC) – pays for damage to your car for causes other than collision – including damage from vandalism, riot, floods, storms, fires, and theft.
Collision Coverage – helps pay for damage to your car after it has been in a collision with another object.
Uninsured Motorist Coverage – pays for “bodily injury” to you and your passengers when you are in an accident caused by an uninsured or hit and run driver.
Underinsured Motorist Coverage – pays for “bodily injury” to you and your passengers when you are in an accident caused by a driver who does not have enough insurance.
Towing and Labor – reimburses you for expenses incurred for towing and miscellaneous emergency road services.
Full Safety Glass Coverage – provides full coverage for safety glass regardless of the comprehensive deductible.