Specialized Insurance for Classic, Collector, and Antique Vehicles

Do classic, antique, and custom cars need special insurance? Yes. Standard auto insurance typically pays claims based on a vehicle's depreciated actual cash value, which may not reflect the true value of a restored, collectible, or customized vehicle. Classic and collectible cars deserve more than a standard auto policy. Classic car insurance is designed to provide specialized coverage that better protects the unique value of your investment.

Traditional insurance typically covers damage under comprehensive or collision coverage but settles claims based on actual cash value (ACV) - that is, the original cost minus depreciation. For a restored or rare vehicle, this approach often falls short.

At Meixell Diehl, we recommend specialized coverage based on the agreed or stated value of your classic or antique vehicle, providing the protection it truly deserves.

When we help you explore your options, here are a few important questions to consider:

• Will your policy include mileage restrictions for your collectible vehicle?

• Do you need coverage for spare or specialty parts?

• Do you plan to use a specific repair shop for any insured damage?

• Are you restoring your vehicle and need coverage during the process?

Let us help you build a customized policy that protects your investment and reflects the true value of your classic car. Contact us today to get started.