Re: Insurance question???
[Re: not_a_charger]
#3246156
07/21/24 11:57 AM
07/21/24 11:57 AM
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Joined: Sep 2003
Posts: 20,212 north of coder
moparx
"Butt Crack Bob"
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"Butt Crack Bob"
Joined: Sep 2003
Posts: 20,212
north of coder
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good to know ! my best friend has two cars, and most of the time, he likes to show them together at our yearly local festival. in order to get them there, either his nephew or i go to his house and drive one to the festival, then he takes us back to our respective houses and we pick up our cars and return to the festival, parking together. at the end of the event, we drive our car[s] back to our house[s] then return to pick up his other car and drive it back to his house where our daily driver was sitting, then go home from there.
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Re: Insurance question???
[Re: moparx]
#3246166
07/21/24 12:15 PM
07/21/24 12:15 PM
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Joined: Dec 2007
Posts: 20,321 Puttin' on the foil in Charles...
not_a_charger
Mr. Big Shot Moparts Moderator
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Mr. Big Shot Moparts Moderator
Joined: Dec 2007
Posts: 20,321
Puttin' on the foil in Charles...
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If he has them on a collector policy, you or his nephew driving is almost certainly not covered.
Earning every penny of that moderator paycheck.
DBAP
"They don't think it be like it is, but it do." - Oscar Gamble
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Re: Insurance question???
[Re: not_a_charger]
#3246188
07/21/24 12:48 PM
07/21/24 12:48 PM
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Joined: Nov 2007
Posts: 21,907 Kirkland, Washington
Pacnorthcuda
Too Many Posts
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Too Many Posts
Joined: Nov 2007
Posts: 21,907
Kirkland, Washington
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It would, yes, but if you let someone drive your car and it's on a classic car policy with agreed value, they will likely not be covered. Classic car insurance is cheap in part because it has a lot of restrictions/exclusions. But isn’t the CAR still covered if I let a friend drive my car and he wrecks?
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Re: Insurance question???
[Re: Pacnorthcuda]
#3246219
07/21/24 01:35 PM
07/21/24 01:35 PM
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Joined: Dec 2007
Posts: 20,321 Puttin' on the foil in Charles...
not_a_charger
Mr. Big Shot Moparts Moderator
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Mr. Big Shot Moparts Moderator
Joined: Dec 2007
Posts: 20,321
Puttin' on the foil in Charles...
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Very likely not. Classic car policies are very restrictive. With most of them, coverage is only afforded when a listed driver is driving. That includes comp/collision and liability.
Earning every penny of that moderator paycheck.
DBAP
"They don't think it be like it is, but it do." - Oscar Gamble
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Re: Insurance question???
[Re: not_a_charger]
#3246237
07/21/24 02:27 PM
07/21/24 02:27 PM
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Joined: Dec 2004
Posts: 10,594 Rittman Ohio
fourgearsavoy
I Live Here
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I Live Here
Joined: Dec 2004
Posts: 10,594
Rittman Ohio
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I wondered about that when I drove one of Mike's Six-Pack cars to a show while he drove his pink Hemi Cuda so he could win both classes I didn't ask about it because I was just excited to drive one of his restorations to a show. Gus
64 Plymouth Savoy 493 Indy EZ's by Nick at Compu-Flow 5-Speed Richmond faceplate Liberty box Dana 60
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Re: Insurance question???
[Re: not_a_charger]
#3246508
07/22/24 11:15 AM
07/22/24 11:15 AM
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Joined: Sep 2003
Posts: 20,212 north of coder
moparx
"Butt Crack Bob"
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"Butt Crack Bob"
Joined: Sep 2003
Posts: 20,212
north of coder
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Very likely not. Classic car policies are very restrictive. With most of them, coverage is only afforded when a listed driver is driving. That includes comp/collision and liability. is it possible to amend a policy to include who one could conceivably think of several others who may, at some point, be drivers of one's vehicle ? if so, wouldn't there be a limit, say only one or two others ?
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Re: Insurance question???
[Re: moparx]
#3246509
07/22/24 11:16 AM
07/22/24 11:16 AM
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Joined: Dec 2007
Posts: 20,321 Puttin' on the foil in Charles...
not_a_charger
Mr. Big Shot Moparts Moderator
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Mr. Big Shot Moparts Moderator
Joined: Dec 2007
Posts: 20,321
Puttin' on the foil in Charles...
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Not with a classic car policy, at least not that I am aware of. Like I said, it's cheap for several reasons, chief among them is the restrictions/limitations placed on coverage.
Earning every penny of that moderator paycheck.
DBAP
"They don't think it be like it is, but it do." - Oscar Gamble
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Re: Insurance question???
[Re: not_a_charger]
#3246535
07/22/24 12:27 PM
07/22/24 12:27 PM
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Joined: Apr 2006
Posts: 211 Carlisle, AR.
mdwyer
enthusiast
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enthusiast
Joined: Apr 2006
Posts: 211
Carlisle, AR.
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On our Hagerty policies i just listed everyone( family, wife Son-in-law, daughter) i would let drive them. Costs more but less worries.
1970 Challenger T/A 1970 Roadrunner RM21 Vcode 1971 Gtx 1971 Satellite 1971 Charger 500 GB5 383 A54 car 1972 Satellite 1997 Dodge 1500 hunting rig 2014 Ram 2500 Mega Cab
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Re: Insurance question???
[Re: second 70]
#3246765
07/23/24 11:22 AM
07/23/24 11:22 AM
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Joined: Dec 2007
Posts: 20,321 Puttin' on the foil in Charles...
not_a_charger
Mr. Big Shot Moparts Moderator
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Mr. Big Shot Moparts Moderator
Joined: Dec 2007
Posts: 20,321
Puttin' on the foil in Charles...
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"Full coverage" is not a real thing. It's a term that someone made up at some point and it gets parroted about, but it doesn't mean anything.
As far as which insurance would be primary in the situations you describe, that depends upon the state, and the language in each person's insurance policy. That's what will determine which policy is primary and which is excess. If both policies are determined to be primary or excess, then the damages are handled on a pro-rata basis between the 2 policies.
Earning every penny of that moderator paycheck.
DBAP
"They don't think it be like it is, but it do." - Oscar Gamble
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