It is often hard to find a car insurance policy that covers everything that you want it to. Things like damage from storms, damage from accidents and more are all covered, but is this coverage enough for a classic car policy? For those in the Pismo Beach, CA area, the agents with Neff & Associates Insurance Services Inc can help you find the perfect policy that covers all your classic car needs.
As far as classic cars go, most classic car policies are going to cover the price of replacing or repairing the car should it become damaged. It may also include things like liability but in most cases, your liability is going to lie with your normal car insurance policy. The classic car policy is more in place to make sure that you can replace or repair the car should something happen to it.
In the simplest of terms, no, your classic car policy is not going to be all-inclusive and is instead going to cover the cost of your car should you have to replace it. You are not going to be able to claim things like car accidents on your classic policy, you are not going to be able to use it to cover the medical bills of the passenger so the people you are riding with, and so on.
A classic policy is simply in place to protect the value of the car and to help you replace it should it become totaled or experience some major damage. This does not mean this type of policy is useless, just that it is not going to serve the same purpose as a typical car insurance policy and therefore should not be a replacement for your normal insurance.
For those in the Pismo Beach, CA area, the agents with Neff & Associates Insurance Services Inc can help.