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Re: [Healeys] Insurance Question

To: "Atkinson, Robert" <rca53@columbia.edu>,<healeys@autox.team.net>
Subject: Re: [Healeys] Insurance Question
From: RThrift <rthrift@cox.net>
Date: Mon, 15 Oct 2007 18:33:22 -0700
   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
     http://autox.team.net/mailman/listinfo/healeys
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