DeLorean car insurance

[Trstno1]

Has anyone had an issue getting car insurance for your D? My insurance company wants me to get an appraisal on the vehicle before they will quote me an insurance price....

[Dangermouse]

Make sure you get "agreed value" insurance.



Do a search on here on "insurance" and you will get more info than you can possibly digest :)

[Nicholas R]

I have progressive for my truck but they said they wouldn't even consider my DeLorean. Hagerty gave me a great rate for the DeLorean. In fact, when I add my 70 Opel GT to my Hagerty account, my rate wont even go up (because its so much less valuable than the DeLorean and will cause me to drive the DeLorean less).

[jawn101]

+1 to all that was said. Search the forum, there are several threads with hundreds of posts. Also big +1 to Hagerty, if you read all those previous posts you'll see dozens of others who agree.

[Kozmatic]

American Modern http://www.amig.com/ - Unlike Hagerty, there's no restrictions on driving your car to work if you like...even once a week...that was a deal breaker for me with Hag. Unlimited mileage too.

[Trstno1]

American Modern http://www.amig.com/ - Unlike Hagerty, there's no restrictions on driving your car to work if you like...even once a week...that was a deal breaker for me with Hag. Unlimited mileage too.

If you don't mind me asking, how much is your policy with amig costing you?

[Kozmatic]

If you don't mind me asking, how much is your policy with amig costing you?

$330 for 12 months

[Kozmatic]

One thing to keep in mind and I think all of the classic car insurance companies do this - if you own another car and have lower limits than what they'd normally cover you with, they'll reduce your limits with their policy to match your other policy. So if their classic car policy has $100,000 liability limits but you have $30,000 liability limits with your Honda Civic with Geico for example, they;ll reduce the Delorean limits to $30,000. This reduces the chance that they'd get sued for additional damages if you were to wreck your Honda.

[OverlandMan]

I just did a quote via their website and it came back @ $402/yr! Geez! Last year I paid $145 for the year. That seems a bit excessive. Is that what the other folks using Hagerty are paying? I understand it varies by location a bit.

[mluder]

I have insurance through Sate Farm... They would not do an agreed value policy without a driving restriction.
I looked at Hagerty and it's nearly double what my current premium is.

I understand the benefit of agreed value - but if your car is totaled any insurance company has to use comparables to evaluate the pre-accident value of the car. So what's the risk?

[Kozmatic]

I forgot to mention that American Modern has an agreed value of $35,000 in addition to unlimited mileage and i'm allowed to drive it to work multiple times per week. $330 per year. :thumbup2:

[Kenny_Z]

I understand the benefit of agreed value - but if your car is totaled any insurance company has to use comparables to evaluate the pre-accident value of the car. So what's the risk?

NADA for my DeLorean:
Low $16,800
Mid $29,000
High $45,300

They're going to take that into account when you don't have agreed value. I'd say Red is a midrange car. Good mileage, great stainless, so-so interior. They might look at her and say that she's a low quality DeLorean. She was red, a restored car, non-professional engine refreshing, and homemade seat skins. Then they'll try to stick me with the 16,800. Without an appraisal or agreed value you're stuck with that.

[Trstno1]

NADA for my DeLorean:
Low $16,800
Mid $29,000
High $45,300

They're going to take that into account when you don't have agreed value. I'd say Red is a midrange car. Good mileage, great stainless, so-so interior. They might look at her and say that she's a low quality DeLorean. She was red, a restored car, non-professional engine refreshing, and homemade seat skins. Then they'll try to stick me with the 16,800. Without an appraisal or agreed value you're stuck with that.


where are you guys finding NADA book values for a DeLorean? I went online to nadaguides.com but it did not list Delorean as an option.

[Trstno1]

where are you guys finding NADA book values for a DeLorean? I went online to nadaguides.com but it did not list Delorean as an option.

Disregard that last post......

Found it...

[OverlandMan]

Disregard that last post......

Found it...

I use the Hagerty valuation tool.. just not their insurance. To me, the agreed upon value should be whatever you're comfortable receiving should the vehicle be totaled. Is there more to it than that, other than affecting your premium amounts?

[Nicholas R]

Just so we're all clear, we cant really compare rates unless we're all taking the same liability coverage, that is after all what at least half of the cost of your insurance is for.

If you're carrying state minimum coverage for liability, medical, etc. you're obviously going to have a considerably lower rate than someone that wants more coverage.

[mluder]

Just so we're all clear, we cant really compare rates unless we're all taking the same liability coverage, that is after all what at least half of the cost of your insurance is for.

If you're carrying state minimum coverage for liability, medical, etc. you're obviously going to have a considerably lower rate than someone that wants more coverage.

Deductibles will effect your rate as well...

[hmcelraft]

My main insurance company is USAA and they recommended I use a coordinated insurance hook-up with American Collectors Insurance in Cherry Hill, NJ. All of my liabilities, etc. are in sync with USAA and my rate went down considerably plus the added "agreed value" is part of the American Collectors Policy. Agree value this year is $32,000 with a $1,000 deductible. They seem fist-rate and I'm comfortable with them since USAA referred them.

[mluder]

My main insurance company is USAA and they recommended I use a coordinated insurance hook-up with American Collectors Insurance in Cherry Hill, NJ. All of my liabilities, etc. are in sync with USAA and my rate went down considerably plus the added "agreed value" is part of the American Collectors Policy. Agree value this year is $32,000 with a $1,000 deductible. They seem fist-rate and I'm comfortable with them since USAA referred them.

I just ran a quote with American Collectors... Over $600 - That's double what I'm paying State Farm for full coverage, lower deductible, daily driver, no mileage limit, no agreed value.

Hmm... this is a poser. Not sure what to do.

[Bruce Johnson]

I've been with Condon/Skelly Classic Car Ins. since I cancelled Hagerty for dropping my then 22 and 25 year old kids when they were ticketed for going 25 in a 20 mph zone. They were going to make them wait for 5 years before reinstating them. One's previous ticket had long dropped off. I have full coverage with agreed value, unlimited driving, no deductible for 2 Deloreans, a '72 Comet, '64 Fury conv. '58 Desoto and a '55 Ford for premium of $861 per year. Had a mishap with the Desoto and Ford when the garage support rafter collapsed spilling a bunch of stuff onto the hood, roof and trunk lid of the Desoto, and on the roof of the Ford, causing over 10K in damage. Adjuster came out and I had a check within 2 weeks. Might want to check them out.

Bruce

[mluder]

I've been with Condon/Skelly Classic Car Ins... Might want to check them out.

Bruce

Wow... They're a lot less expensive - on par with my regular insurance. I'm going to get a formal quote and compare.

Thanks for the recommendation.

[Shep]

Just an FYI: those of you "high rollers" out there should look outside Hagerty. Nothing personal against them, but I could not find a way to get rid of the $0 deductible, and they were seriously under-valuing 559 by a good solid 25%. Wanted $1,600+ per year at my value. Absolute insanity. Went to Condon Skelly, they wouldn't budge higher than Hagerty would, even though both were given legit appraisals. Ditto for American Collectors. Went to American Modern, and they made an exception for the 25-year-old limit since the title was in my name (ask for underwriting approval with them if you run into this), then they let me pick my own deductible, which I set to $500, then they asked for the appraisal, which I sent them, and they accepted! Final price: right around ~$650, literally less than HALF of what Hagerty was charging, with no more screwing me over in the event of a total loss.

Needless to say, it's another vote for American Modern for me :approve:

[Trstno1]

So do all these places require an appraisal of the vehicle before they will cover the car?

[Shep]

So do all these places require an appraisal of the vehicle before they will cover the car?Only if your value exceeds a certain built-in limit, which mine did. I do not know specifically what that limit was for any of those companies, but each of them triggered some kind of "hey, take a look at this one" for all of them. Cars in the $20K-$30K range etc. 9 times out of 10 will pass through fine.

[Bruce Johnson]

I can't speak for the other insurance companies, but Condon/Skelly only required me to send four photo's of each car showing all four sides.

[Shep]

I can't speak for the other insurance companies, but Condon/Skelly only required me to send four photo's of each car showing all four sides.Forgot to mention that part, thanks. Pretty much all of the "classic" insurance companies wanted this, and Hagerty also wanted a picture of my garage. I don't recall if American Modern required the garage picture or not, but the other two didn't get far enough to get to that point, so I'm not sure on them.

[Bruce Johnson]

Condon/Skelly didn't require a photo of the garage, just an acknowledgement on the application that all the entrances were secured by a locked door. I too forgot to mention that both Delorean's and the Fury have an agreed value over 30K. But like I said, I've been with them a while which may carry some leniency on their part BUT we'll see what happens when my next premium comes due.

[Kenny_Z]

That's the reason I'm stuck with regular auto insurance on the DeLorean, no garage.

[Shep]

That's the reason I'm stuck with regular auto insurance on the DeLorean, no garage.This is my worst fear with 537 -- if I keep it, it'll have to be outdoors under a canopy or something. Let me know if you ever find a middle-ground on this, even with mileage and/or use restrictions, it's worth looking into.:thumbup:

[mluder]

So Condon/Skelly is a bust for me... 2500 annual mile limit - that's fine for me because I usually drive less than 2000. However, the policy stipulates the car must be maintained as a collector vehicle only. That means it can only be driven for shows and events. A fact I confirmed via e-mail with them.

Guess I'm just gonna keep my daily driver State Farm policy...

[? ? ? ?]

Got my insurance through Safeco, $450 every 6 months for daily driver/unlimited miles and full coverage (though no agreed upon value). They were the cheapest I was able to find that gave me what I wanted.

Classic car insurance was a no-go since I wanted to drive the car whenever and some of the other insurances either weren't available to me in my area (like American Modern) or wouldn't take new owners (like State Farm).

[Morpheus]

On my first D, I used Hagerty for a while until I came across Heacock. They are based in FL, and offered a hell of a better rate with less restrictions than Hagerty.

The policy is underwritten by AMIG, which is a great company as voiced by several others in this thread.

On VIN 1098, I have $40k coverage, 6k miles a year, and i'm paying $360 for 12 months. I can live with that.

[Riley88]

Busted angle drive+ yearly allowed mileage by hagerty= heeheeheehee

[dtavres]

I just bought a car (10515) and many people in the Seattle area recommended Grundy (www.Grundy.com).

They do agreed value (I started at $25k, as I haven't done any work to the car yet, and I paid significantly less than that) - the cost is $160/YEAR. Per year. Worth calling them for a quote.

[mr_maxime]

I got statefarm regular insurance. GEICO would not cover it and I was too young for hagerty at the time. I got fairly decent coverage and a pretty high mileage limit. I had collector insurance with statefarm before but the mileage limit is capped at 2k. Way too low for me.

[Timebender]

I just bought a car (10515) and many people in the Seattle area recommended Grundy (www.Grundy.com).

They do agreed value (I started at $25k, as I haven't done any work to the car yet, and I paid significantly less than that) - the cost is $160/YEAR. Per year. Worth calling them for a quote.

I have Grundy and not only do they do agreed value, I can drive the car for leisure and not restricted to car shows only - and it's very cheap insurance.

[aotmfilms]

I have USAA insurance. Upside: Pretty good. No mileage restrictions. Covers me for the cost of the DeLorean (about 30 to 35k). Doesn't need to be in a garage. Downside: I pay $70 bucks a month though so $840 for the year.

[hmcelraft]

USAA set me up with American Collectors in Cherry Hill, NJ. Seems reasonable and a lot less expense than USAA regular. Stated value. They have several mileage tiers to select from - I have the 7,500 mile tier which is too much but, it gives me lots of freedom. Garage is required. USAA sync's all my liability insurance with American Collectors too, as I have two other cars with USAA.

[Bruce Johnson]

Stated Value vs Agreed Value can be a bit misleading:

"A stated value policy (sometimes called stated amount or maximum limit of liability) does not promise upfront to pay this stated amount. In the event of a covered total loss, it may pay less than the stated amount, as the insurer has the right to pay the lesser of your collector car’s depreciated actual cash value (ACV) or its replacement cost. Also, many insurers that offer stated value policies require periodic appraisals to substantiate the insured amount, adding cost and inconvenience to the client."

"An Agreed Value policy (which is the same as Hagerty’s Guaranteed Value policy) guarantees the policy will pay the full insured amount of the vehicle – with no depreciation – in case of a covered total loss."

Might want to check on that with your insurer.

[steve]

American Modern $210 a year agreed upon value. But you must have other classic cars.

Steve

[Echoplex]

Hello Folks,

I am in a bit of a pickle. Here's my situation: I live in a condo. We have a secure community garage. The thing is a fortress, but Grundy will not insure the vehicle because it is a community garage and not a personal garage or personal storage. Personal storage is not an option for me. It's just too expensive, especially in a big city. I just got off the phone with USAA and they will insure the D in the community garage for roughly $1,250 a year. OUCH! Not happening.

Can any other owners in my situation recommend a company that will insure without a garage (or in a locked community garage) for less? That USAA rate seems astronomical and is more than our brand new sports car's insurance!

Thank you!

Edit: I am currently weeding my way through about 19 insurance topics...

[DMCVegas]

Ah yes, classic car insurance. I remember when I first called Hagerty who was more than willing to write me a policy, but said that I had to keep the vehicle in a garage that I would not have access to, and that I couldn't even have access to the ignition key for fear that I would drive it. Because I was under 25 at the time...

When I moved out on my own and took the DeLorean with me, I slapped on liability only coverage on her.

http://cdn.meme.am/instances/400x/35219937.jpg

Downside:


If I wrecked it and it was my fault, I'd have to rebuild her from scratch, out of pocket. But the insurance would cover the vehicle and/or property damage (property damage is SO important!)


Upside:

Cheaper rates.
If it was someone else's fault, they're insurance would pay.
If I wrecked the car, the insurance company wouldn't be able to "total" it by buying it from me and filing for the salvage title. I'd keep the car and a clean VIN to rebuild it.

[Echoplex]

Wow, this is complicated and very frustrating! Just got off the phone with ACI. They WILL insure a "shared secure garage" under certain circumstances (number of tenants, location, etc), but then she found out my wife and I have only a single vehicle and that is a deal breaker. It sucks because we just sold our second car as we were not using it at all since my wife rides the bus to work (only a 10 minute commute to downtown Seattle). Blah.

[Gregadeth]

Wow, this is complicated and very frustrating! Just got off the phone with ACI. They WILL insure a "shared secure garage" under certain circumstances (number of tenants, location, etc), but then she found out my wife and I have only a single vehicle and that is a deal breaker. It sucks because we just sold our second car as we were not using it at all since my wife rides the bus to work (only a 10 minute commute to downtown Seattle). Blah.I think pretty much all classic car insurance providers require a closed garage space. I went with regular insurance, I don't park it in a garage, I drive it almost daily and there are no mileage restrictions. Geico got me the best quote, which is less than hundred a month, full coverage. I even moved my other car over to Geico and the monthly for that went down to almost half.

[DaraSue]

One of the earlier posts in this thread said they couldn't insure through Progressive, but I just did. All I did was fill out the online form. $100K per person/$300K per accident, $2000 deductible, stated value of $37,000 (the 31 I paid for the car plus the 6 I'm paying for additional work), comprehensive and insured as a commuter. I even chatted with their reps twice to verify that everything was okay, and they said I was all set. They didn't have any problems taking my $500 for the next 5 months, so I hope I'm not going to get told they made a mistake and aren't actually covering me if something happens :paranoid:

I do have a garage so maybe I'll look into one of the other companies recommended here that does agreed value. Maybe they'd cover my CRX too since it's almost 30 years old...

[Edit: Just got a quote from Grundy and supposedly they can insure both for less per year than I'm paying for just the CRX now. Is this for real? Definitely going to have to give it another look after my registration is done.)

[jawn101]

One of the earlier posts in this thread said they couldn't insure through Progressive, but I just did. All I did was fill out the online form. $100K per person/$300K per accident, $2000 deductible, stated value of $37,000 (the 31 I paid for the car plus the 6 I'm paying for additional work), comprehensive and insured as a commuter. I even chatted with their reps twice to verify that everything was okay, and they said I was all set. They didn't have any problems taking my $500 for the next 5 months, so I hope I'm not going to get told they made a mistake and aren't actually covering me if something happens :paranoid:

I do have a garage so maybe I'll look into one of the other companies recommended here that does agreed value. Maybe they'd cover my CRX too since it's almost 30 years old...

[Edit: Just got a quote from Grundy and supposedly they can insure both for less per year than I'm paying for just the CRX now. Is this for real? Definitely going to have to give it another look after my registration is done.)

Most collector policies specifically require you to carry and prove that you have insurance on a primary vehicle through a traditional insurer. Hagerty is definitely like this.

[DaraSue]

Well, I guess Grundy's out b/c they say you can't daily-drive it with their collector car insurance and I plan on driving mine every sunny day between spring thaw and snow season. (Plus they say you're supposed to have a "modern car" for daily driving, which I don't suppose my CRX is.) And you need 3 cars to qualify for MVP. Ugggh... I'm starting to get paranoid about driving the D b/c what if I get in an accident and Progressive only wants to give me $15000 for it?

[jawn101]

Well, I guess Grundy's out b/c they say you can't daily-drive it with their collector car insurance and I plan on driving mine every sunny day between spring thaw and snow season. (Plus they say you're supposed to have a "modern car" for daily driving, which I don't suppose my CRX is.) And you need 3 cars to qualify for MVP. Ugggh... I'm starting to get paranoid about driving the D b/c what if I get in an accident and Progressive only wants to give me $15000 for it?

That's exactly why collector car insurance exists, the agreed value policy. Almost every insurer will have this clause/shortcoming. Insurance is a game of risk. Either you take it, or they do. But there will never be a situation where neither of you assumes it.

[Andrew]

The cost savings for classic car insurance is substantial. Plus you get the benefit of setting an agreed to value.

I'm pretty sure that Hagerty and J.C. Taylor allow occasional pleasure driving, but using it to and from work is a no-no. Like historical vehicle registration, it pays to read the fine print. For example, my historical registration allows driving for "mechanical testing." As most on this forum would attest, anytime you drive a DeLorean it's a mechanical test!

With regard to the requirement of having a modern daily driver, if they ask whether you have a daily driver, tell them yes. If they ask for details regarding the daily driver, just rattle off the year make and model without making a big deal out of it. If you present it like its a problem, they will view it as a problem. Some of the classic car insurers require you to provide a copy of the policy information on your daily driver. If the agent even looks at the policy at all they are probably just looking at the limits and the name of the insured driver. Chances are they won't even look at, let alone make an issue of, the age of your daily driver. However, if they question you further then you can emphasize that you really do drive an older CRX as a daily driver.

[DaraSue]

I guess I'm probably best off rolling the dice with Progressive, since getting 30% of what the car is worth is better than getting 0% if my driving is deemed not covered use, *sigh*. At least I haven't had a catastrophic accident in 20+ years. Maybe I should give Grundy a call and talk to a live person and just see what they have to say if I explain my situation (driving to work several days a week, but not in inclement weather or during the winter).

[bytes311]

My DMC is insured through American Collectors with an agreed upon value of $25,500 and 2,500 mileage tier. Interestingly, they never asked for my odometer reading.

[Iznodmad]

I used a broker to find what I wanted. For $40, they did all the leg work for me. I too demanded daily driver coverage with full collision, since I do drive one of my DeLoreans nearly daily to work, etc. Ended up with a company called Safeco.

[dodint]

My DMC is insured through American Collectors with an agreed upon value of $25,500 and 2,500 mileage tier. Interestingly, they never asked for my odometer reading.

They won't need to until you have a claim. They're giving you rope to hang yourself by not asking.

[DaraSue]

Holy crap, it pays to shop around. I had to call Geico to get a landlord policy, had them give me an auto quote too, got DD coverage for half what I was paying for Progressive. :wow:

[adam_knox]

I used a broker to find what I wanted. For $40, they did all the leg work for me. I too demanded daily driver coverage with full collision, since I do drive one of my DeLoreans nearly daily to work, etc. Ended up with a company called Safeco.
I've had to use safeco for a non-delorean daily driver claim in the past an they were easy to work with.

Sent from my SM-N910P using Tapatalk

[David T]

If you are NOT using your Delorean as a daily driver Geico is not the best insurer. They will rate it WAY too high, hit you with a deductible and not give you "Agreed Value" in the event of a total loss. If you can qualify for collector insurance that is the way to go.

[mr_maxime]

Just called geico and they gave me a much cheaper quote but then said they actually couldn't write a policy for a 1982 vehicle valued at $30k.

[dtavres]

Check out Grundy - www.Grundy.com (http://www.Grundy.com)

[mr_maxime]

I use the car as a daily driver and don't have a garage so collector insurance is out for me.

[David T]

I use the car as a daily driver and don't have a garage so collector insurance is out for me.

Ask your insurance company or broker these questions:
How much is the deductible?
What is the total value of the car?
What do I get if the car is stolen and not recovered?
You will be surprised what you get on a 30 year old car. The system is rigged so you don't want to use the car as a daily driver. BTW the premium on a collector policy is often under $500 for the year, no deductible, and agreed value for a total loss.

[BLWNAWY]

Check out Grundy - www.Grundy.com (http://www.Grundy.com)

I just posted this elsewhere in the forum but it bears repeating here - I just got this response from Grundy to my question about occasional personal use: "Thank you for contacting Grundy Worldwide. For any vehicle on the collector policy you cannot use the vehicle for running errands, taking trips out of town unless it is being used for hobby related use such as a car show, tour or parade. To visit a friend out of town on an extended trip we would consider that daily use [and not covered]." I have one collector car insured with them already, and can live with that for it. But for the DeLorean I want to be able to use it more often. Probably will end up going with Safeco like on my daily drivers.

[Drive Stainless]

I just posted this elsewhere in the forum but it bears repeating here - I just got this response from Grundy to my question about occasional personal use: "Thank you for contacting Grundy Worldwide. For any vehicle on the collector policy you cannot use the vehicle for running errands, taking trips out of town unless it is being used for hobby related use such as a car show, tour or parade. To visit a friend out of town on an extended trip we would consider that daily use [and not covered]." I have one collector car insured with them already, and can live with that for it. But for the DeLorean I want to be able to use it more often. Probably will end up going with Safeco like on my daily drivers.

Will Safeco give you an agreed value policy, though?

[BLWNAWY]

Will Safeco give you an agreed value policy, though?

They will, but not sure if that was what I got quoted since my daily drivers are with Safeco, and I asked for coverage similar to what I have on the Vette - low annual mileage. My agent is supposedly checking, but he is slow and vague with answers.

[David T]

Call American Collectors www.americancollectors.com for a quote. At the Spring Social event this year they handed out flyers from them with a Delorean on it.
877-303-6075

[mr_maxime]

Safeco will not cover me for some reason. I tried getting a quote from them and I guess something like insurance middle man said they could not find me any company that would give me full coverage. Seem to be stuck with State farm for now.

[Lwanmtr]

I just did a quick quote on that American Collectors site and at 30k, 5000 miles 0 deductibles it showed me under $300/year...so I'm keeping them in my list..not that I'll need it for a while since my car is still in peices

[iflights]

I did a quick quote on American Collectors and received a similar $300 rate. When to complete the application and I added all family members (Wife and 3 kids, none of which will drive the car, and each have their own car) the price shot up to $800. Same price I was paying with State Farm.

[Lwanmtr]

Wow, thats a big jump. I didnt go through the completing the process, since Im not yet ready...we'll see what happens when I do.

[David T]

You cannot compare what an insurance company can offer in different States. Each State has different requirements as to what the insurance company MUST offer and it can vary the price a lot. Some can offer insurance (not liability) even on cars during restoration for instance if the house burns down and destroys the parts. Adding kids may be a problem if they are under a certain age. In some States that forces the insurance company to put them in a high risk pool increasing the cost (potentially a LOT!). If you have a company like State farm ask them how much you will get after the deductible if the car is stolen and not recovered. Ask if there is an "Agreed Value" or are they going to "blue book" it? In most States you really need collector car insurance unless you are trying to use the car as a daily driver. If you use it as a D/D you will pay a LOT in premiums with a high deductible and if lost or totaled you will get almost nothing. And to total the car it won't take much. I am not endorsing American Collector, every owner should get multiple quotes and pick the best one for them in the State they live in and the way the use the car.

[dtavres]

51449

[Lwanmtr]

OK, thats confusing...what does that actually mean?

[DaraSue]

The smiley-faces make it look like he's saying "oh sure, you can drive to a friend's house, as long as it's also for a car show, *wink wink*..."

Guessing that wouldn't hold up in court if you couldn't show them your actual car show registration paperwork, though...

[May81DeLorean]

Hagerty Guaranteed Value = $25,000

Bodily injury ($100k per person, $300k per accident) = $30
Property Damage ($100k per accident) = $8
Medical Payments and Uninsured Motorists = $23

Damage other than collision = $135
Damage due to collision = $143

Total: $339 a year

[David T]

Hagerty Guaranteed Value = $25,000

Bodily injury ($100k per person, $300k per accident) = $30
Property Damage ($100k per accident) = $8
Medical Payments and Uninsured Motorists = $23

Damage other than collision = $135
Damage due to collision = $143

Total: $339 a year

That's great. But you did not include all of the caveats like any mileage limitation, deductible, no commuting, drivers must be over a certain age, etc. Finally, an owner in another State cannot make a direct comparison because each State has different requirements. For instance, here in New Jersey, every owner must also pay into the State's uninsured driver's pool to cover people who get hit by a driver that has no insurance. That adds to the cost. In some States the Bodily injury is higher (or lower) which affects the premium. Or maybe they think the car is worth more than $25K. A higher Agreed value would increase the premium too. In some States there are things that can lower rates like an alarm, etched glass, Lojack, etc.

[mr_maxime]

I just moved and my policy dropped to $88/month with statefarm, heh 88 for delorean insurance

[CyberBill]

Since this thread is one that comes up if you do a search for "delorean auto insurance", I'm going to add my recent info here. Nobody has updated the thread in a few years so, I was able to get a policy through State Farm. Progressive is who I go through normally, and they would not insure a DeLorean. I have no accidents or anything - I got quoted for 6,000 miles/year, full coverage w/ $1000 deductible, $25k/$50k bodily injury, $25k property damage, uninsured motorist, and the quote was ~$350 for 6 months. So roughly double what many of the responses here are, but I think with more generous allowances.

[dtavres]

DeLorean insurance survey - www.DeLoreanDirectory.com/insurance

[DaraSue]

Be careful with State Farm. I know 2 owners who had bad experiences with them. One was when he was young (about 15-20 years ago), they took his money, then decided they couldn't actually insure the car and wouldn't give him a refund. (He's with Hagerty now and didn't have any issues when a deer jumped in front of his LFF a while back.) The other totalled his car, then the insurance company tried to tell him his policy was only for $25k when he'd been paying premiums for $40k for a year. He had to threaten a lawsuit to get them to pay up. If your car is in good condition and worth a decent amount , it might be worth the extra money to go with a classic car specialist.

(I've probably mentioned this before but I switched to Hagerty last year. They're about $400 more than Geico but Geico was only going to pay based on depreciated value and red light running is practically an official sport in my state, so...)

[DMCMW Dave]

Be careful with State Farm. ........

(I've probably mentioned this before but I switched to Hagerty last year. They're about $400 more than Geico but Geico was only going to pay based on depreciated value and red light running is practically an official sport in my state, so...)

As a repair facility, Geico is the only one that ever gave us a hard time on repair costs. We'd done repairs for State Farm, Hagerty, and a few others with no issue. Geico eventually covered but it was more work for the shop.

I've personally had my DeLorean on State Farm for over 20 years. Price is certainly right, but I've never made a claim so I can't vouch for that side of it. I was told that State Farm will not insure DeLoreans for new customers, (i.e. if you are with someone else, and you call them up for a quote, they will decline). Not sure about what happens if you are already with them and try add a DeLorean. I suspect that some of the variance depends on your relationship with your agent.

[CFI]

I agree with DaraSue. I’ve had several “car guys” warn me about insuring a classic car with a standard insurance company. My Progressive agent said he’d insure it for $40k, but good luck getting that from the company if the car ever gets totaled. He flat out told me Progressive would fight it. His honesty made me realize that a special car requires special insurance.

So I’m with Hagerty now. They are experts in this field, their rates are reasonable, and I’m guaranteed to get the full AGREED value in a total loss situation. Check the fine print in your insurance policy. If it doesn’t specifically say they will pay the agreed value, get a new policy.

[David T]

As I said in previous posts, this all varies State by State. The insurance companies have to operate under the rules in each State and they are NOT all the same. Another thing to consider. If you have Classic or Historic plates you may not even be eligible for "ordinary" insurance. The best advice is to get a hold of your insurance agent and discuss this with them and ask them what happens if the car is totaled, lost, or stolen. What, if any, are the limitations for mileage, age of drivers, deductible, and so on. Better to find out BEFORE the claim. Some policies have deductibles on glass, personal items, tires, that kind of thing. Many do not cover anything not factory original (or they want more of a premium to cover aftermarket, or modifications). Some insurance companies want proof that you own another car that is your daily driver. Some want pictures. Some won't insure a driver under a certain age. Some won't cover anything not car show related like going out for a beer. Most won't cover anything you get paid for like a photo shoot or a wedding (you can buy coverage but it's extra by the day). When you are up for renewal get several quotes and understand the differences between the polices. They are all a little different just to make it harder to compare "apples with apples". You CANNOT compare by price alone! If you can, you want "Agreed Value" on the car for at least $30K if it is a driver in decent condition.

[MrChocky]

I agree with DaraSue. I’ve had several “car guys” warn me about insuring a classic car with a standard insurance company. My Progressive agent said he’d insure it for $40k, but good luck getting that from the company if the car ever gets totaled. He flat out told me Progressive would fight it. His honesty made me realize that a special car requires special insurance.

So I’m with Hagerty now. They are experts in this field, their rates are reasonable, and I’m guaranteed to get the full AGREED value in a total loss situation. Check the fine print in your insurance policy. If it doesn’t specifically say they will pay the agreed value, get a new policy.

Yeah. My regular insurance is with Farmer's. But the system here in PA is brand new and fraught with problems. Anyway, they go to Hagerty anyway for their classic car quotes, so that's almost certain what I'll go with.

[mr_maxime]

Hagerty Guaranteed Value = $25,000

Bodily injury ($100k per person, $300k per accident) = $30
Property Damage ($100k per accident) = $8
Medical Payments and Uninsured Motorists = $23

Damage other than collision = $135
Damage due to collision = $143

Total: $339 a year

GA Policy quote with a modified car...

Hagerty Guaranteed Value = $25,000

Bodily injury ($100k per person, $300k per accident) = $89
Property Damage ($100k per accident) = $37
Medical Payments and Uninsured Motorists = $42

Damage other than collision = $412
Damage due to collision = $254

Total: $854 a year


Does anyone know of any company that will cover deloreans as just property in the event of fire, etc? My car's still not driving and in a bunch of pieces. Don't know why Statefarm will insure my couch and appliances in case that happens, but not my car.

[mr_maxime]

Well, after a super long call with hagerty, they won't insure electric conversions if it's not an "approved kit"

[David T]

Some companies will insure "projects", cars that are disassembled and not registered. When they do they want extensive documentation like bills, pictures, etc to back up a claim. They will insure it for a percentage of it's value as if it was completed for fire and theft and maybe even water damage. In your case they "may" insure the car but not the modifications such as conversion to electric. Get some more quotes. As important as what they cover is what they DON"T cover like deductible, maximum per each event, maximum per year, glass, etc. Some things that they cover are mandated by the State you live in. Here in New Jersey you have to pay into what they call the "Uninsured Driver's Fund". That way if an uninsured driver hits you the State can pay you out of that fund and your insurance company doesn't have to. The State also mandates minimum coverage like liability and bodily injury. It's good that you are learning about this now, before you have a claim. All too often people get insurance, pay their premiums for years, and then get surprised when they find out what they really bought when they file a claim. BTW, $25K is low for a running Delorean in decent shape (not electric). I would increase it to at least $30K. That is the number (Agreed Value) that you would get if the car disappeared as in stolen and not recovered or burnt up or was totaled in an accident.To be totaled it has to cost within 10% of the agreed value so if it is valued at $25K and it will cost $22.5K to fix it, it gets totaled and the insurance company owns it and pays you the $25K and you give them the keys. You might be able to increase it a little if you had any personal property that was in the car. Towing and storage will get included in that calculation if applicable and can make the difference to put you "over the top" and be totaled.

[TheStoot]

I went with Grundy for Collectors car insurance. It's covered for $35,000 and 300,000 for bodily injury and uninsured motorists. $358 a year, full windshield and covered towing, spare parts, trip break downs etc...I think I got the allowed mileage at like 3000 per year, might be 6000, adjustable either way

[mr_maxime]

I was using 25k for its current state as a disassembled car with no engine and transmission, not its future running state. My main concern right now is a fire or tornado taking out the garage.

I should have called around more, but I figured that other people have electric conversions and most of them are not bolt on kits. I didn't think it would be this much of an issue.

[CFI]

I went with Grundy for Collectors car insurance. It's covered for $35,000 and 300,000 for bodily injury and uninsured motorists. $358 a year, full windshield and covered towing, spare parts, trip break downs etc...I think I got the allowed mileage at like 3000 per year, might be 6000, adjustable either way

Be careful with Grundy. The reason they are so cheap is because they expect your car to be inside of a locked garage 99% of the time, with only a handful of driving sessions per year. Ask me how I know :)

The “unlimited mileage” that some insurance companies claim is very deceiving, as it makes you think you could drive your car everyday. The truth is they expect your car to leave the garage only a couple of times per year. That’s how they keep their risk, and your fee, low.

[David T]

Be careful with Grundy. The reason they are so cheap is because they expect your car to be inside of a locked garage 99% of the time, with only a handful of driving sessions per year. Ask me how I know :)

The “unlimited mileage” that some insurance companies claim is very deceiving, as it makes you think you could drive your car everyday. The truth is they expect your car to leave the garage only a couple of times per year. That’s how they keep their risk, and your fee, low.

That's why they call it Collector's Insurance! In fact, they ask you straight up, where the car is stored. Most companies, it MUST be inside. And by keeping the mileage low it limits the use and the chances of anything happening. They don't want anyone buying this kind of inexpensive insurance and using it as a DD with the much higher risk. Check with your homeowner's policy, Some will insure hobbies and projects so maybe you already have some coverage for a disassembled car. It can't be registered or they will tell you to get car insurance.

[mr_maxime]

My renters policy and DeLorean policy were both through state farm. They checked with underwriting and said there is nothing they could use to cover my car as it currently sits. Makes no sense to me.

Grundy said they'd consider a diy conversion, but one I got the application I saw they had the car listed as unmodified drivetrain. They will not cover a project unless its at least 80% finished though.

[mr_maxime]

I ended up with American Collectors insurance. $350 comprehensive only on a modified vehicle at $25k. Considering I probably won't be driving for another year, i'm not too concerned about driving limitations for now.

[TheStoot]

Be careful with Grundy. The reason they are so cheap is because they expect your car to be inside of a locked garage 99% of the time, with only a handful of driving sessions per year. Ask me how I know :)

The “unlimited mileage” that some insurance companies claim is very deceiving, as it makes you think you could drive your car everyday. The truth is they expect your car to leave the garage only a couple of times per year. That’s how they keep their risk, and your fee, low.

So tell me more, I wanna know what happened to you?

[Lwanmtr]

I need to start looking, since Im getting close to being able to haul mine up to Toby for the mechanical work I cant do myself (suspension rebuild, etc..).

[CFI]

So tell me more, I wanna know what happened to you?

Short version: I called to ask them about their “unlimited” mileage. I told them how often I drive my car, and that I occasionally do 100 mile drives just for fun. Basically, his response was: we don’t want to insure you.

Why?

Because Grundy expected my car to be in a locked garage for 350 days per year (slight exaggeration).

“What about unlimited mileage?” I asked.

“Sure, for the 15 days per year that your car is allowed out of the garage you can put as many miles on it as you want.” (paraphrased).

Now, before I get inundated with “well, they never check mileage, and they don’t watch your every move so they’d never know”, I’m not in the habit of breaking rules just because I think I can get away with it. If your conscience allows you to break rules, go for it.

[mr_maxime]

Short version: I called to ask them about their “unlimited” mileage. I told them how often I drive my car, and that I occasionally do 100 mile drives just for fun. Basically, his response was: we don’t want to insure you.

Why?

Because Grundy expected my car to be in a locked garage for 350 days per year (slight exaggeration).

“What about unlimited mileage?” I asked.

“Sure, for the 15 days per year that your car is allowed out of the garage you can put as many miles on it as you want.” (paraphrased).

Now, before I get inundated with “well, they never check mileage, and they don’t watch your every move so they’d never know”, I’m not in the habit of breaking rules just because I think I can get away with it. If your conscience allows you to break rules, go for it.

Yep that seems to be my takeaway from collector car insurance. Lock it up in a vault and throw away the key, then theyre ok covering it.

[DaraSue]

I got it in writing from a Hagerty rep that I'm allowed to drive it to work 50-60 days a year. I make sure to take a pic every day of which car I drove in the parking lot just in case I ever wreck it on the way to work and they try to weasel out of paying by saying I was daily driving it. :rolleyes1:

I also switched my CRX to Hagerty this year, got a policy that allows seasonal daily driving (5 months a year) with $5000 of coverage for half what I was paying with Geico.

[David T]

]I got it in writing from a Hagerty rep [/B]that I'm allowed to drive it to work 50-60 days a year. I make sure to take a pic every day of which car I drove in the parking lot just in case I ever wreck it on the way to work and they try to weasel out of paying by saying I was daily driving it. :rolleyes1:

I also switched my CRX to Hagerty this year, got a policy that allows seasonal daily driving (5 months a year) with $5000 of coverage for half what I was paying with Geico.

I would read the policy carefully to see if you can hold Hagerty to what the rep says. Typically a policy states that the only things that are binding is what's in the policy. No side agreements and no third party representations. As for what Hagerty can offer in the State you live in, any rules are only good in that State so anyone in another State can't compare it to what you got in your State. It's like there are 50 different Hagerty's, each with it's own special deal.

[dtavres]

I got it in writing from a Hagerty rep that I'm allowed to drive it to work 50-60 days a year.

Wow... that's crazy.

I pay Grundy under $300/yr with NO mileage limit, and a stated-value of $45k... it just cannot be my daily driver, or the backup to my daily driver.

www.DeLoreanDirectory.com/insurance (https://www.deloreandirectory.com/insurance/)

[DMC VIN 6639]

I pay $195 for $25k coverage from Grundy. I drive it whenever I want as far as I want because their website states in writing unlimited mileage.

[JETS 81 DMC]

I pay $195 for $25k coverage from Grundy. I drive it whenever I want as far as I want because their website states in writing unlimited mileage.

Even though their website states it you still need to make sure that it is in writing in "your policy".

What is verbally stated/said and what can be written in other than in your policy does not mean you are covered
if it is not written in your policy.

Just my .02 and you know, CYA. :cheers:

[DMC VIN 6639]

Even though their website states it you still need to make sure that it is in writing in "your policy".

What is verbally stated/said and what can be written in other than in your policy does not mean you are covered
if it is not written in your policy.

Just my .02 and you know, CYA. :cheers:



Policy does not state anything about mileage. I’m not sure what there is to worry about. They can’t hold you to anything spoken when the policy and website elude to a different policy.

[Jason]

I pay $195 for $25k coverage from Grundy. I drive it whenever I want as far as I want because their website states in writing unlimited mileage.

Yes, but you can't drive wherever you want. At least from what they told me. Driving more than a few times a month to work? No. Regular trips to the supermarket. No.

If you get into an accident and they find you've been driving to work often or something like that you may be in trouble.

I've spoken with just about every insurance company that does collectors insurance in PA, some multiple times. If you want to use the car for transportation, and not just for joyrides, even if its only in good weather and with another primary daily driver, they won't cover it. I found one company that would, but only with a 5k mileage cap.

[DaraSue]

This is what my policy says:


K. "Classic vehicle" means a motor vehicle of unique or rare design and of limited
production that is an object of curiosity and:
1. Is maintained primarily for use in car club activities, exhibitions, parades, other functions of public interest or for a
private collection; and
2. Is used only infrequently for other purposes.

But they don't define what "infrequently" means. That's what I was asking the rep about, and she said driving to work 50-60 days a year would be acceptable. Working 5 days out of 10 instead of 6 out of 7 this year and having my CRX back in DD condition I haven't even come close to that this year but I make sure I track and document it just so I have something to argue if the worst happens.

[JETS 81 DMC]

This is what my policy says:



But they don't define what "infrequently" means. That's what I was asking the rep about, and she said driving to work 50-60 days a year would be acceptable. Working 5 days out of 10 instead of 6 out of 7 this year and having my CRX back in DD condition I haven't even come close to that this year but I make sure I track and document it just so I have something to argue if the worst happens.

What a representative tells you and what is in writing in your policy are not the same. They can tell you anything. You do need to have it in writing.

I found out this the hard way years ago. What the representative verbally told me and then when someone ran into my car they would not cover the claim because it was not in writing in my policy. They said what the representative said does not mean it is in the policy. Very expensive lesson learned.

You need to C.Y.A. to make sure you are covered. Don't save a few dollars and hope nothing ever happens. Again, I learned the hard way with insurance companies.

With many insurance companies if you want to drive it as a daily driver or run errands or just a nice drive other than
special collector car events you cannot insure it as a collector vehicle and must be regular insurance.
Check your policy for this.

Make sure you get the usage definitions clearly explained in writing.

I agree with Jason.

My .02 again. :cheers: :cool:

[DMC VIN 6639]

Yes, but you can't drive wherever you want. At least from what they told me. Driving more than a few times a month to work? No. Regular trips to the supermarket. No.

If you get into an accident and they find you've been driving to work often or something like that you may be in trouble.

I've spoken with just about every insurance company that does collectors insurance in PA, some multiple times. If you want to use the car for transportation, and not just for joyrides, even if its only in good weather and with another primary daily driver, they won't cover it. I found one company that would, but only with a 5k mileage cap.

6482264823

Here is what Grundy website says. Their rule is very loose. As long as it is not your daily driver and you keep it in a garage you can do whatever you want.

[Jason]

6482264823

Here is what Grundy website says. Their rule is very loose. As long as it is not your daily driver and you keep it in a garage you can do whatever you want.

Notice is says "pleasure driving only". I know from talking with them that their idea of "pleasure driving only" is not often to work or to stores. You can definitely not do whatever you want, at least according to them. I have no idea what would happen if they tried to deny a claim and it went to court.

[DaraSue]

What a representative tells you and what is in writing in your policy are not the same. They can tell you anything. You do need to have it in writing.
[...]

Make sure you get the usage definitions clearly explained in writing.



My conversation with the rep was via email so hopefully that counts as "in writing". The policy never specifically states a number or percentage for what constitutes "infrequently" so the agent's number of acceptable driving days is all I have to go on. :dunno:

[David T]

Pleasure driving is open to interpretation. As long as you are not regularly using it to commute, and can show it was "pleasure" you *might* be OK. An accident at 8:00 in the morning on a weekday during rush hour may be hard to explain.

[Henrik]

Pleasure driving is open to interpretation. As long as you are not regularly using it to commute, and can show it was "pleasure" you *might* be OK. An accident at 8:00 in the morning on a weekday during rush hour may be hard to explain.

We had a little parking lot party at work a couple of months ago and people asked me to "bring the Delorean" so I drove my D a) to work b) at 8 am c) on a weekday d) in heavy traffic and that very thought was churning in my mind the whole way there.

[mr_maxime]

Any drive in my DeLorean is a pleasure drive. That's why I got the car in the first place.

[DMC VIN 6639]

Notice is says "pleasure driving only". I know from talking with them that their idea of "pleasure driving only" is not often to work or to stores. You can definitely not do whatever you want, at least according to them. I have no idea what would happen if they tried to deny a claim and it went to court.

You should definitely buy more expensive insurance from another company. You are obsessing too much. In the end all insurance companies try to screw you.

The website says you can drive it to work, pleasure driving and collector car related activities. It even mentions about parking at a hotel. How is that different than going to the store?

[Jason]

You should definitely buy more expensive insurance from another company. You are obsessing too much. In the end all insurance companies try to screw you.

The website says you can drive it to work, pleasure driving and collector car related activities. It even mentions about parking at a hotel. How is that different than going to the store?

I've found that if I'm honest up front about how I use my cars the collector insurance companies just refuse to issue me a policy (despite a very long, clean record). I could lie, or just not say, but that seems really risky. So, yes, I have more expensive insurance through a normal insurer. And yes, I still run the risk of not getting full value for my cars if something happens.

I did try to find a more expensive non-collector agreed value policy, but no one seems to want to do that either.

[mr_maxime]

I'm pretty sure that if you lie to get coverage, you'll just be wasting money at best. When state farm learned that my car was not in driving condition, they stopped my policy. It had daily coverage on it before while I was driving, but I wanted an agreed value in case of fire or storm damage now that I'm not driving it daily. Better to find out you're not covered up front, than to pay for months only to find out they won't cover you when something happens.

[DMCMW Dave]

....When state farm learned that my car was not in driving condition, they stopped my policy. It had daily coverage......

Interesting! I have two cars that I don't drive in the winter. (Typically 11/15 thru 3/15 or so, otherwise known as Salt Season.) I simply call my agent and tell him that the car is in storage and they drop all coverage other than comprehensive. They are in operating condition but they have never asked about that.

[dn010]

USAA also has a storage option and other options for disabled or a vehicle that is in a shop for repair. I use storage option for my seasonal vehicle for all but one month out of the year but you have to acknowledge the vehicle is located in a secure location and not sitting parked in the road in front of your house. I also had coverage on many vehicles that were undergoing restoration but nothing that was ever long term, I don't know how they'd ever find out about it unless you tell them.

[David T]

Every State has different rules. In NY if you take the insurance off you MUST turn in the plates. I know of someone that had a Corvette and in the winter he would store the car. To save on the insurance he would drop the policy but the insurance company reports to the State and if you don't turn in the plates and reg the State will fine you for not having insurance on a registered vehicle. This is mainly so people can't get a policy, get plates,show proof of insurance and then cancel the insurance and still drive around. Big problem in NY, uninsured drivers. In some States if you have a car IN YOUR DRIVEWAY without plates they can fine you and ultimately have your vehicle removed from your own property! Some States are NOT car friendly! Bottom line, you should know the rules in your State. Having someone in another State tell you what they can or can't do is irrelevant. A good source of information are local car clubs in your State or the DMV in your State or your local police department.

[mr_maxime]

Interesting! I have two cars that I don't drive in the winter. (Typically 11/15 thru 3/15 or so, otherwise known as Salt Season.) I simply call my agent and tell him that the car is in storage and they drop all coverage other than comprehensive. They are in operating condition but they have never asked about that.

To get agreed upon value for collector insurance, they need pictures of a show worthy car. I told them it was not cause it was in the middle of being restored. I dont think your situation causes any issues since the cars are still operable. My disqualification is pretty clear, but im not sure how far you have to go before it qualifies. If your fuel pump dies on a Saturday and you can't fix it until the next saturday, is that inoperable?

[dn010]

To get agreed upon value for collector insurance, they need pictures of a show worthy car. I told them it was not cause it was in the middle of being restored. I dont think your situation causes any issues since the cars are still operable. My disqualification is pretty clear, but im not sure how far you have to go before it qualifies. If your fuel pump dies on a Saturday and you can't fix it until the next saturday, is that inoperable?

There are many instances where the car will be out of commission but still considered operable. I got hit in my old daily a few years ago, was in the shop for two months - still covered. If you just need to drop a fuel pump in it then it will be no problem. Your car is in the middle of a restoration, not on the road, not a liability to others - ask yourself why in the world would an auto insurance company would insure you for this long term process? You need to work with your home/renters insurance in order to cover this and that is IF they accept it but as stated dozens of times, get it in writing and not just an email. Right now you have a possession, an assembly of parts, not a roadworthy car if you can't legally drive it down anytime soon.

[mr_maxime]

Your car is in the middle of a restoration, not on the road, not a liability to others - ask yourself why in the world would an auto insurance company would insure you for this long term process? You need to work with your home/renters insurance in order to cover this and that is IF they accept it but as stated dozens of times, get it in writing and not just an email. Right now you have a possession, an assembly of parts, not a roadworthy car if you can't legally drive it down anytime soon.

Why would they insure me? Like you said because my car is not a liability to others or myself which makes is considerably less risky than my $500 daily driver. Basically the same reason collector car insurance limit mileage, less driving means less claims. I already had comprehensive coverage on it. So whether the car is in pieces or whole and the garage is destroyed through fire or tornado, doesn't really make much of a difference when you're left with nothing either way. Statefarm is also my renter's insurance provider, but they do not cover inoperable vehicles with it. Which also seems weird, cause like you said it's just possessions at this point like anything else in my apt.

I'm covered through American Collectors now though.

[dn010]

I have has this problem in two different states and a few different insurance companies that would not bother with my restoration projects I had going on at the time for a variety of reasons - it's not worth it for us to insure, too easy to claim it was stolen, if your house burns down home insurance needs to cover it, etc etc etc. One home insurance policy would make an exception but it wasn't worth it but this was early 2000's at the time. Thinking this was ridiculous I hunted the internet and found that I was not alone with this problem and just gave up until I had something I could put on the road. Maybe it varies state by state but at least you now have coverage.



Why would they insure me? Like you said because my car is not a liability to others or myself which makes is considerably less risky than my $500 daily driver. Basically the same reason collector car insurance limit mileage, less driving means less claims. I already had comprehensive coverage on it. So whether the car is in pieces or whole and the garage is destroyed through fire or tornado, doesn't really make much of a difference when you're left with nothing either way. Statefarm is also my renter's insurance provider, but they do not cover inoperable vehicles with it. Which also seems weird, cause like you said it's just possessions at this point like anything else in my apt.

I'm covered through American Collectors now though.