Insurance for classic car - Recently Updated Pages

Cars for Sale

insurancefor — Sun, 10 Feb 2008 18:57:57 CST

Insurance for classic car

insurancefor — Thu, 07 Feb 2008 09:44:45 CST

Top 3 Pick of Most competitive Insurance for Classic Cars

Classic Car Insurance Automobile Insurance Quotes
Click here for great classic automobile insurance quotes. We offer free multiple insurance quotes online from nationwide insurance companies with low rates and great coverage.
Netquote.Com

Classic Car Insurance Quotes
Answer Financial offers side-by-side quotes from leading auto insurance companies nationwide. Find the right coverage at competitive rates. Shop and compare.Classic Car Insurance Quotes Insurance.com

Classic Car Insurance
Protect your collector car for less, with more money in your pocket. Various mileage plans available. Great customer service. Get a free quote today.
21st Century Insurance Company

Partners Directory Contact Us Automatic

Copyright © 2006 Insurance for classic car. ..All Rights Reserved.
Insurance for classic car * Classic car Insurance * Auto Insurance *
r Insurance for classic is a leading provider of Classic auto Insurance Servicing Areas San Gabriel Valley Insurance For Classic Car , Pasadena Insurance For Classic Car , Simi valley Insurance For Classic Car , Insurance For Classic Car , Burbank Insurance For Classic Car , Insurance For Classic Car contractors, Copper re-pipe specialists, Local Insurance For Classic Car , 911 Insurance For Classic Car , Sewer lining, Glendale Insurance For Classic Car , San Fernando Valley Insurance For Classic Car , Insurance For Classic Car in Thousand oaks, Emergency Insurance For Classic Car service, Hollywood Insurance For Classic Car , Valencia Insurance For Classic Car company, Santa Clarita Insurance For Classic Car , Water leak detection, Los Angeles Insurance For Classic Car , Rocket Rooter, Insurance For Classic Car in Los Angeles, North Hollywood Insurance For Classic Car , Valley Insurance For Classic Car , La Canada Insurance For Classic Car , The best Insurance For Classic Car , Drain cleaning, Lateral lining, Eagle Rock Insurance For Classic Car , Arizona Insurance For Classic Car company, Texas Insurance For Classic Car , Santa Clarita Insurance For Classic Car , Valencia Insurance For Classic Car , Moorpark Insurance For Classic Car , trench less sewers, pipe bursting, faucet repair, nationwide Insurance For Classic Car , La Crescenta Insurance For Classic Car , Tujunga Insurance For Classic Car , Sunland Insurance For Classic Car , Toluka Lake Insurance For Classic Car , Insurance For Classic Car service, lax Insurance For Classic Car , dial 911 Insurance For Classic Car , hollywood Insurance For Classic Car , west los angeles Insurance For Classic Car , west hollywood Insurance For Classic Car , san diego Insurance For Classic Car , san diego Insurance For Classic Car company, Prime Liner, Perma Liner, granada hills Insurance For Classic Car , Woodland Hills Insurance For Classic Car , Winetka Insurance For Classic Car , Agura Hills Insurance For Classic Car Insurance For Classic Car company. Calabasas Insurance For Classic Car , Calabasas Insurance For Classic Car Company, Sewer lining, Lateral Lining, Storm drains, Tanks, Septik Pumping, Insurance For Classic Car replacing specialists, Slate repair and replace, Van nuys Insurance For Classic Car , West hills Insurance For Classic Car , North Hills Insurance For Classic Car , Reseda Insurance For Classic Car , Beverly Hills Insurance For Classic Car , Century Insurance For Classic Car , West La Insurance For Classic Car "
name=keywords>Insurance For Classic Car , Insurance For Classic Car Supply, Insurance For Classic Car Contractors, Insurance For Classic Car consulting, Insurance For Classic Car Installation, Insurance For Classic Car repair, Insurance For Classic Car Fixtures, Insurance For Classic Car Los Angeles, and Now Insurance For Classic Car Chicago and Insurance For Classic Car New York Service Magic has all your answers to your Insurance For Classic Car needs.
<META content="Los Angeles Insurance For Classic Car , Los Angeles Insurance For Classic Car , Search and/or advertise Insurance For Classic Car -services, classifieds, listings, and information for free with the capabilities to insert pictures for roof //

Today's Insurance News

Updated 24 Hours a Day
Provided By: InsuranceJournal

National News

GAO Urges Changes in Wind, Flood Damage Determinations

N.Y. Bond Insurer Rescue Plan Seen as a Tough Sell but Important

How E&S Brokers Thrive and Survive in Today's Soft Market

Insurance Industry Run by 'C' Students? Don't Tell CPCUs That

Insurers Say Property, Flood Insurance, Regulation Top Concerns in '08

East News

Conn. AG's Report Faults Rowland-Era $80M Workers' Comp Deal

N.Y. Agents and Insurers Laud Workers' Comp Loss Cost Rating Bill

Virginia Senate Passes Repeal of Abusive Driver Fees

Maryland County Proposal Calls for Contracts for Domestic Workers

Third Fire Damages Maine Resort

Midwest News

Wis. Senate Passes Bill to Ban Use of Credit Scoring by Insurers

Mo. Legislators Attempt to Block Governor's Health Care Plan

Kan. Governor Selects New Attorney General

N. D. Governor Names Two Directors for Workers' Comp Board

Southeast News

Fire that Destroyed Alabama Animal Shelter Ruled Arson

Court Records: Miss. Lawyer to Take 5th in State Farm Suit

Former Hurricane Program Manager to Head Ala. Emergency Agency

Texas / South Central News

Rebuking Agency, Judge Dismisses Katrina Lawsuit Against Corps

Fires Flare in Texas While Cleanup Starts on Burned Homes, Businesses

Unemployment in Okla. Climbs to 4.3 Percent in December

West News

Appeals Court Upholds $10.2 Million Award to Injured Snowmobiler

Universal North America Expands to Arizona and Nevada

Mont. Appoints Matthews as Captive Coordinator

Wash. Regulator Gets More Authority Over Health Insurance

International News

Malaysian Hindu Mother's Insurance Case Highlights Religious Conflicts

China's CNinsure Buys Majority Interests in 2 P/C Insurance Agencies

Baloise and Gothaer in Merger Talks on German Insurance Operations

Spaniard Suing for Own Car Damage from Hitting, Killing Bicyclist

Canadian Ski Patrol, Insurance Brokers Issue Safety Warning

More Insurance News

The Insurance Hub
Prev \| Ring Hub \| Join \| Rate\| Next >>

Insurance For Classic Car @ copyright

Accident: One time event which is unintended, unforeseen and unexpected. It is something that is definite in time and place. Accidental Death and Dismemberment Insurance: A form of insurance providing benefits in the accidental death, or the accidental loss of sight or members (such as an arm or a leg). Accidental Death Benefit: A lump sum payment for loss of life due to an accident that was the direct cause of death. The cause of the mishap must be accidental for a benefit to be payable under the policy. Act of God: An event beyond human origin or control. Lightning, windstorms, and earthquakes are examples. The damage from which would not be the responsibility of a bailee, although the bailee might be responsible for many other calamities. Acts of God are excluded by the usual bill of landing as well as by some insurance policies, unless specifically included. Actual Cash Value: The basis of loss settlement in property insurance policies which takes into consideration such factors as replacement value less depreciation, market value, rental value, the use of the building, the area in which it is located, obsolescence, assessed validation and any other factor which would have an effect upon the value. A working rule-of-thumb definition, however, is "replacement cost new at the time of loss, less depreciation." See Replacement Cost Value. Actuary: A social mathematician who uses mathematical skills to define, analyze and solve complex business and social problems involving insurance and employee benefit programs. Additional Living Expense Insurance: Insurance for the extra amount it costs and insured to live until repairs are made to the insured's dwelling Additional Vehicle: A vehicle acquired during the policy period in addition to those already listed in the Declarations Adjuster: One who determines the amount of loss suffered. A "company" or "independent" adjuster represents the company. A "public" adjuster represents the policyholder. Admitted Company: A foreign or alien insurance company which has been licensed by the insurance department of the state in question, and thereby is authorized to conduct business within that state to the extent licensed. Also know as an authorized company. Adverse Selection: The insuring of one or more risks with a higher chance of loss than that contemplated by the applicable insurance rate. The selection of such risks is adverse because the rate is inadequate. Age Change: The halfway point between birthdays when the age of the applicant changes to the next higher age. In some insurance companies, the age is based upon the applicant's ate at his nearest birthday. In others, it is based on the age of his last birthday. Agent: One who has authority to act for another. The insurance language, an agent is the person who sells insurance by contacting the policyholder, and by contract and by law is endowed with many of the powers of the company itself. Aggregate Limit: In a policy such an aggregate limit, the maximum amount the insurer will pay during the policy period, irrespective of the policy's limit of liability. Agreed Amount Clause: A condition of a policy stating that he insurer agrees to waive the coinsurance requirement in consideration of the insured's maintaining insurance equal to the amount agreed upon at the inception of the policy. All-Risk Policy: A policy which covers loss caused by any peril which is not excluded, as contrasted to "named peril" policies which protect against certain perils named in the policies. Annuitant: A person during whose life an annuity is payable. Generally, an annuitant is the person who receives the monthly income payment. Annuity: A contract providing periodic income payments for a fixed period of time or during the lifetime of an annuitant. In may be defined as the systematic liquidation of an estate. Annuity, Cash Refund: A life annuity contract which provides that upon the death of the annuitant, the beneficiary (or his estate) will receive a lump sum payment which represents the difference between the amount the annuitant paid to the insurance company and the total income payments received by the annuitant. Annuity, Certain: Payable for a minimum specified period and continuing thereafter throughout the lice time of the annuitant. Annuity, Deferred: Payments commence more than one year after the payment of the firs (or single) premium to the insurance company, usually at a selected retirement age. Annuity, Installment Refund: Similar to a cash refund annuity, except that money is refunded in installment payment and the insurance company makes payments to the designated beneficiary until the total of the payments made to the annuitant and the beneficiary equals the consideration paid. Annuity Joint and Last Survivor: An annuity issued on the lives of two or more persons, which is payable as long as one of them survives. Application: A form filled out and signed by a prospective insured which becomes part of the policy. Appraisal Clause: The clause in a policy that sets forth the conditions under which a disputed loss is decided by appraisers. Appraiser: 1) A person who determines the value of property or 2) A party who determines the amount of a disputed loss. Assessment: The charge levied by an insurer writing an assessable policy (as sold by some mutual insurers), in addition to the policy premium, in the event the insurer becomes unable to pay its total losses. Assignee: A person, firm, of corporation to whom the rights under contract are assigned in their entirety or in part. Assignment: Transferring property rights to another. Insurance policies may thus be assigned or transferred to another, but usually this requires the consent of the insurer. Assumed Liability: Contractual liability, which arises from agreement between people as opposed to liability which, arises from common or statute law. Assured: The person or party protected by a policy of insurance. Same as insured. Attained Age: An age which a person or insured has attained on a given date. For life insurance purposes, the age is based on either the nearest birthday or the last birthday, depending on the practices of the insurance company involved. Automatic Premium Load (Automatic Premium Advance): A provision in a life insurance policy which states that if an insured fails to pay a premium by the end of the grace period, the amount of the premium due will be loaned to the insured automatically. However, the loan value of the policy must be sufficient to cover the loan plus interest. Generally, the insured must request that the clause be made a part of the policy at the time of application. Aviation Clause: A clause that limits the liability of the insurance company if certain types of aviation accidents cause the death of an insured. B Bailee: One who has custody of the property of another to be held and returned to the owner in good condition. The owner who delivers the property is called the bailor; the one who receives it is the bailee. Bailor: A person entrusting goods to another. Barratry: Willful and illegal sinking, casting away, or damaging a ship at sea or its cargo. Beneficiary, Contingent (Secondary): A parson who is entitled to benefits only after the death of a primary beneficiary. Beneficiary, Irrevocable: The insured may not change the designated beneficiary without the beneficiary's consent. Beneficiary, Primary: A person who is entitled primarily to benefits upon the death of an insured. Beneficiary, Revocable: The designated beneficiary may be changed at the insured request without the consent of the beneficiary. Beneficiary, Tertiary: The person who entitled to the policy benefits if the primary and contingent beneficiaries predecease the insured. Bid Bond: A bond intended to guarantee that the bidder on a construction, supply or service contract would enter into the contract if successful as a bidder. Binder: An oral or written agreement to insure which serves as evidence of coverage prior to the issuance of a policy. Binding Authority: The right on e party (usually an agent) has to represent another (usually the insurer) in effecting or creating an insurance contract. Binding Receipt: Insurance becomes effective on the date of the receipt and continues for a specified period of time until the company disapproves the application. Blanket Insurance: A single amount of insurance covering several items (e.g. one amount of insurance to cover two buildings, or one building and its contents) Blanket Position Bond: A fidelity bond, which insures an employer against loss from dishonest acts by employees. Bodily Injury: Injury, sickness, or disease sustained by a person, including death at any time resulting therefrom. Bond, Fidelity: An insurance policy that reimburses an employer for employee theft, embezzlement, or dishonesty. May be written to cover specific employees or all employees. Bond, Surety: A written agreement wherein on part, called the surety, obligates itself to a second party, called the obligee or beneficiary, to answer for the default of a third party, call the principal. Broker: A licensed, legal representative of the insured who negotiates with underwriters on behalf of the insured. Nevertheless, the broker receives a commission from the insurer (underwriter). Builders Risk: A special form dealing with the unique loss exposure of property under construction. Burglary: Theft by forcible and illegal entry, evidenced by visible signs made by tools, explosives, electricity, or chemicals. Business: A trade, profession or occupation. Business Use: The use of a vehicle for the purposes of the business or occupation. By Order Of Civil Authority: A directive of city officials or other civil authority that a building may be destroyed by the fire department to present the spread of conflagration. C Cancellation: The termination of a contract before its normal ending. Captive Agent: An agent who, by contract, represents only one company and its affiliate. Sometimes called "exclusive or controlled agent". Cargo: Goods being transported by rail, plane, truck, ship, or other conveyance, excluding the equipment needed to operate the conveyor. Cash Surrender Value: The amount (stated in the policy) which is available in cash upon the surrender of a policy for cancellation before or after the policy matures (as in death claim or otherwise). This is one of the three non-forfeiture options. Cede: To pass on to another insurer (the reinsurer) all or part of the insurance written by an insurer (the ceding insurer) with the object of reducing the possible liability of the latter. Certificate of Insurance: A document containing information concerning the master policy of a group indicating that the individual is covered. Civil Commotion: A disturbance among, or a popular uprising of, a large number of people. Claim: An amount requested of an insurer, by a policyholder or a claimant, for an insured loss. Claims-Made: A liability insurance policy version covering losses from claims asserted against the insured during the policy period. Coinsurance Clause: In property insurance, a clause require in the insured to maintain insurance at least equal to stipulated percentage of value in order to collect partial losses in full. Collision: The impact of a vehicle with another object or vehicle, or the upset of a vehicle. Collision Coverage: Covers damage to a covered auto caused by collision with another object or vehicle. Collision Insurance: Coverage for the loss resulting from the striking of another object by a moving vehicle. Commissions: Payments made by the insurance company to the agent for the sale and servicing of a policy. Commissions are calculated as a specific percentage of the premium paid and the percentage determined in accordance with the contract between the agent and his insurance company. Common Disaster Clause: This clause defines the method of the payment of the proceeds of the policy by the insurance company if the insured and the named beneficiary die simultaneously in a common disaster. It protects the contingent beneficiary since it would consider the primary beneficiary predeceased the insured. Comparative Negligence: Under comparative negligence, the damages collectible in relation to anther person are diminished in proportion to one's degree of negligence. Comprehensive Automobile Coverage: "All-Risk" Physical damage protection for automobiles, except for loss by collision or upset (which may be added). Concealment: In insurance, a failure to disclose a material fact, which may void an insurance policy. Condition: Something established or agreed upon to be necessary to make a policy of insurance effective. Conditional Receipt: A receipt given for the payment of the initial premium (accompanying the application) which makes coverage effective under the contract if the risk is approved as applied for, subject to the other conditions set forth in the receipt. Consideration: One of the elements of a valid contract. The premium and the statements made by the prospective insured in the application are construed as the insurer's consideration. The insurance company's consideration is its promise to pay a valid claim. Contract Bond: In general terms, a surety bond guaranteeing the performance of a contract, usually associated with construction work, but possible for almost any kind of contract. Sometimes called a performance bond. Contributory Negligence: A common law defense in which the plaintiff must be entirely free from fault in order to recover from a negligent defendant. Contributory Plan: A term applied to employees benefit plans (such as group insurance or group annuities) under which both the employees and the employer contributes. Conversion Privilege: The right granted to the insured to change his coverage from a group policy to an individual policy. If a member of a group resigns therefrom, his is given an opportunity to secure an individual policy within a specified period thereafter regardless of whether or not he is in good health at that time. This term is also applied to the right of an insured to convert from a convertible term policy to a permanent form of insurance. Coverage for Damage to Your Covered Auto (Physical Damage Coverage): Insures against damage to an insured auto caused by collision and other than collision losses. Coverage Territory: Geographic region where coverage is available under the Personal Auto Policy. Includes the United States and its territories and possessions, Canada and Puerto Rico. Coverage is also provided if the auto is damaged while being transported between these ports. Credit Life Insurance: Life insurance designed to pay the balance of a loan (usually payable in installments) if the insured dies before the loan has been paid in full. Generally, a bank department store, or a finance company handles credit life insurance. Usually this form of insurance is written on a group basis, but it may also be written on an individual basis. D Death Benefit: The amount that is paid to a beneficiary as the result of the death of an insured. Death Claim: Proof of the insured's death and the beneficiary's application that are filed with the insurance company in a request for payment under the policy. Declarations: Section of the Personal Auto Policy that shows who is insured, what property is covered, when and where coverage is effective, and how much coverage applies. Deductible: In a policy providing a deductible clause, the amount which must first be subtracted from the total damage incurred before determining the insurance company's liability. Of several types used, the straight deductible establishes the insurer's liability above the deductible but not below it; the franchise deductible establishes the insurer's liability for the entire amount of damage once the deductible amount is exceeded in a loss; and the disappearing deductible establishes the insurer's liability for an increasing proportion of the loss, as the total damage rises above the deductible, until the deductible finally "disappears". The insurer is liable for the entire amount. The deductible may be in the form of an amount of dollars, a percent of the loss, a percent of the value of the insured property, or a period of time, as in health insurance. Depreciation: The reduction in value of tangible property caused by physical deterioration, obsolescence, or wear and tear. Directors & Officers: Coverage for directors and officers. Direct Writer: A company which sells insurance to the public either through employees licensed as agents or through licensed agents, compensated on a commission basis, who represent only one company; but not through independent agents representing more than one company. Disability Benefit: A feature added to some life insurance policies which provides for the waiver of premiums upon the furnishing of proof that in insured has become totally and permanently disabled and/or for the payment of monthly income benefits to the insured. Dividend: A refund of part of the premium under a participating policy of a share of policyholders surplus funds apportioned for distribution. They are derived from savings in mortality and expenses and interest earned in excess of the assumed rate used in the calculation of the premium in the policy reserves. Dividend Options: The insured is given the option to apply dividends as follows: 1) He may receive the dividend in cash. 2) Apply the dividend toward the payment of any premium due on the policy. 3) Apply the dividend toward the purchase of paid-up additional insurance. 4) Leave the dividend with the insurance company to accumulate an interest. Domestic Company: An insurance company incorporated or organized under state law is a domestic insurer in that particular state. Double Indemnity: A clause providing payment of twice the face amount of the policy if loss of life is due to an accident. Dwelling: A house in which people live, as distinguished from a store, a factory, or any other commercial type building. E Effective Date: The day upon which a policy first becomes eligible to pay covered losses. Endorsement: A document with language attached to and becoming part of a basic policy for the purpose of amplifying or modifying it, either at its inception or during its term. Endowment Insurance: A policy that (after a specified number of years) pays a stated amount to the insured. If the insured dies during the endowment period, the face amount of the policy is paid to the designated beneficiary. An endowment pays at the earlier of death or a specified period. Evidence of Insurability: Any statement or proof of a person's physical condition that may affect acceptance for insurance. Exceptions: Provisions in a policy that eliminate coverage for specified causes of death and/or disability). Also know as exclusions. Excess Insurance: An amount of protection that bears all or a portion of a loss after the loss exceeds an agreed amount. Exclusion: 1) That which is not covered by the insurance as stated in the policy 2) A clause in an insurance policy which specified that which is excluded from the policy's coverage. Exclusive Agent: An agent who, by contract, represents only one company and its affiliates. Sometimes called a "captive agent". Experience Rating (Group Insurance): The premium is computed on the basis of past losses and expenses incurred by the insurance company in the settlement of claims and other expenses involving a particular group of risk. Extended Coverage Insurance: Protection against loss or damage caused by windstorm, hail, smoke, explosion, riot, civil commotion, vehicles, and aircraft. Extended Term Insurance: A non-forfeiture option, under which the face amount of the policy is continued in force for a specified additional period of time after default in the payment of a premium. F Face Amount: The amount of insurance stated on the face of the policy that will be paid upon the death of the insured (or in some cases at the maturity of the policy). It does not include any amount that has been added through dividend additions or additional insurance payable in the event of accidental death. Facility of Payment Clause: A provision in a policy which permits the insurance company to pay insurance proceeds to persons other than the insured, the designated beneficiary, or the estate of the insured. Fair Plan: A program to provide "Fair Access to Insurance Requirements" for property owners who experience difficulty in buying insurance on property located in blighted or deteriorating urban areas. Family Income Benefits: Under this form of life insurance, on the death of the insured, a monthly income is paid to the beneficiary (ies) tot he end of the family income period stipulated in the policy in addition to the lump sum payment (face amount). For example, it could run for a period of 10 years starting with the inception date of the policy, or it could run for 15 years, 20 years, or to age 65. Usually m it is a decreasing term insurance provision that is combined with whole life insurance. If the insured survives the family income period, the family incomplete protection ceases. The policy reverts to the face amount (usually, payable in a lump sum upon the death of the insured). Family Member: A person related to the named insured or his or her spouse by blood, marriage or adoption who lives in the named insured's household. Familt Maintenance Policy: This type of policy combines ordinary life insurance and level term insurance. I t affords the payment of a monthly income during a stated period of 10,15,or 20 years or to age 65 as pre-selected by the insured. The monthly income is payable from the date of death to the end of the pre-selected period. The payment of the face amount of the policy is payable at the end of such pre-selected period. Farm Owners - Ranch Owners (FO-RO): A package policy for farming and ranching risks which can be described as homeowners policy adapted for farm and ranch properties. Basically the policy provided property and liability insurance to which may be added appropriate additional coverage such as animal collision, employers liability, custom farming, etc. Federal Crime Insurance Program: Administered by the Federal Insurance Administration to provide limited burglary and robbery coverage for property owners who experience difficulty in buying insurance on property located in blighted or deteriorating urban areas. Fidelity Bond: An insurance policy that reimburses an employer for employee theft, embezzlement, or dishonesty. May be written to cover specific employees or all employees. Fiduciary: A person who occupies a position of trust, especially one who manages the affairs of another. For example, the guardian of a minor is a fiduciary. Financial Responsibility Laws: State laws that require owners or operators of autos to provide evidence that they have funds to pay for automobile losses for which they might become liable. Fire: Combustion manifested in light, flame and heat for useful purposes (friendly fire) or destruction purposes (hostile fire). Insurance covers loss from only the latter. Floater: A policy that covers property at many locations, even worldwide and in the course of transit. Flood: Overflow of water from its natural boundaries. More specifically defined by the National Flood Act of 19668 as "a general and temporary condition of partial or complete inundation of normally dry land areas from: 1) The overflow of inland or tidal waters. 2) The unusual and rapid accumulation or runoff of surface waters from any source. Foreign Company: In insurance, a company doing (authorized) business in one state but incorporated in another. Form: A document providing the specifics of the insurance issued, either separate unto itself or attached to other descriptive language. Fortuitous Cause: An accidental and unexpected cause of loss. A happening by chance. Fraternal Insurance: A cooperative type of insurance provided by a social organization for its members (e.g., life insurance offered by the "Knights of Columbus"). Free of Particular Average (EPA): A clause which exempts the company insuring cargo from partial losses, usually limited to apply only if the amount be less than an agreed sum, or if some other described condition exists. G Garage Policy: Protects garage or service station operators from claims alleging bodily injury or property damage caused by the operator's negligence in business operations and the use of automobiles. General Average: In ocean marine insurance, a loss that is common to all interests (i.e., the hull owners, the cargo owners, and receivers of the freight and charges, etc.), that may arise due to a peril to the entire venture, that requires a sacrifice or expenditure for the benefit of all. Grace Period: A specified period after a premium payment is due during which the protection of the policy continues even thought the payment for the renewal premium has not yet been received. Group Certificate: Certificate given to employees participating in a group insurance plan which sets for the protection to which they are entitled. Group Insurance Policy: A policy protecting a group of persons, usually employees of a firm generally called a "master policy". H Hazard: A condition that may lead to a PERIL, thus creating a loss (e.g., oily rags leading to a fire). Hold Harmless Agreement: A contractual arrangement in which one party agrees to assume certain liability which otherwise would be borne by the other party. Homeowners Policy: A "Package" policy for dwelling and contents risks combining fire and allied line coverage with comprehensive personal liability and theft insurance for homeowners and tenants. Hull: The ship itself as distinguished from its cargo. I Implied Warranty: An indirect expression or inference, not in writing, by the policyholder that certain conditions exist or will be met (e.g., that a building is not on fire when insured, or that a vessel is seaworthy). Improvements and Betterments: Additions made to real estate enhancing its value and amounting to more than mere repairs or replacement of waste. When made by a tenant, such additions are normally included in the tenant's own property insurance. Inchmaree: A clause used in ocean marine policies to identify additional named perils beyond the basic marine perils. Incontestable Clause: A clause that makes the policy indisputable (except for non-payment of premium and the operation of the war clause exclusion) regarding the statements made by the insured in the application after a specified period of time has elapsed (usually one, two, or three years). Increase in Hazard: The standard fire insurance policy is suspended from liability while the hazard in a risk has been increased beyond what was contemplated at the time the policy was written. Indemnify: To pay for loss suffered. Independent Agent: A property-liability insurance producer who sells insurance as an independent contractor while representing one or more insurers of that agent's choosing on a commission basis, owning the expiration records of customers served. Indirect Damage: Loss resulting from or as a consequence of, an insured direct loss. Individual Insurance: Policies that afford protection to the policyholder and/or his family (as distinct from group insurance). Sometimes it is referred to as personal insurance. Industrial Policy: A Policy with a face amount of $1000 or less for which the premiums are usually payable weekly or monthly and collected in person. Inherent Explosion: Explosion caused by the normal process of a risk (as opposed to one caused by external causes), e.g., a dust explosion in a grain elevator Inherent Vice: The characteristics of any physical property which are expected to cause deterioration or damage to that property without help, e.g., milk sours eventually, and wooden houses depreciate over time. Excluded by most insurance policies. Injury: An act that damages or destroys a person or property. Inspection Report: A report that contains general information regarding the health, habits, finances, and reputation of an applicant made by a firm that specializes in rendering this type of service. Insurable Interest: A potential for financial loss from a certain event that a person must have before acquiring insurance against that event. Insurance: The transfer of risk from the insured to the insurer. The insurer promises to pay the insured or beneficiaries an amount of money, services, or both for economic losses sustained from an unexpected and accidental event, during a period of time for which the insured makes a premium payment to the insurer. Insurance Clause: A clause that defines and describes the scope of the coverage afforded and the limits of indemnification. Insurance Company, Alien: One that was organized under the laws of a country other than the United States. Insurance Company, Domestic: One conducting business in the state in which it was organized. A company who has its home office in the state in which it is conducting business. Insurance Company, Foreign: One conduction business in a state other than the state in which it was organized. A company having its home office in a state other than the one(s) in which it is conducting business. Insurance Services Office (ISO): A voluntary, nonprofit association of property and casualty insurance companies providing a great variety of services on a national basis. Insured: The person(s) or party(ies) protected by an insurance policy, synonymous with assured. Some property-liability policies distinguished between the named insured another insured. Insuring Clause (Agreement): The portion of a policy that describes the risk that the insurer has agreed to assume. Intermediary: One who arranges reinsurance between companies. A reinsurance broker. J Jettison: In ocean marine insurance, the voluntary throwing overboard of part of the cargo or gear of the vessel to lighten the load and save the vessel from conditions of stress at sea. Jewelers Block Insurance: Broad policies insuring jewelers against all loss to their stock in trade. Generally considered too be a type of inland marine insurance. Joint Life Insurance: Insurance on the lives of two or more persons with the face amount payable in the event of death of either (or any one) of them. Joint Ownership Coverage: The purpose of this coverage is to provide coverage for individuals, other than husband and wife, residing in the household or nonresident relatives who jointly own a private passenger auto or a pickup or van that has a gross vehicle weight of less than 10,000 lbs. and is not used for the delivery or transportation of goods and materials. Juvenile Insurance: Life insurance policies written on the lives of children within specified age limits. K Key Person Insurance: An individual policy designed to reimburse an employer for the loss of a key person's service due to his or her death. Usually, the employer pays the premium and is the beneficiary. L Lapse: The termination of a policy for nonpayment of premium; used more commonly in life insurance. If the insurance contract becomes void for other reasons, it is also said to have lapsed. Larceny: Theft of personal property. Modern Criminal laws include obtaining property under false pretense and embezzlement, which common law did not include in theft. Law of Large Numbers: A mathematical concept that postulates that the more times an even is repeated (in insurance, the large number of homogeneous exposure units), the more predictable the outcome becomes. In a classic example, the more times on flips a coin, the more likely the results will be 50% heads, 50% tails. Legal Liability: Liability imposed by laws, as opposed to liability arising from an agreement or contract. Legal Reserve Life Insurance Company: An insurance company that operates under insurance laws that specify the minimum amount of reserves that he insurance company must maintain on its policies. Level Premium: A premium that remains unchanged throughout the life of the policy. Level Term Insurance: A term Contract whose face amount remains level throughout the life of the contract but whose premium increase according to the age of the insured. Libel: To publish defamatory statement about another. The general distinction between libel and slander is that the first must be in writing or similar permanent form, while the later is oral. Liability Coverage: Covers damage for Bodily Injury (BI) or Property Damage (PD) for which an insured becomes legally responsible because of an auto accident. Life Expectancy: The average number of anticipated years of life remaining for individuals who are the same age in accordance with the mortality table indicated in the policy. Life Insurance: Insurance upon the lives of human beings that create an immediate and guaranteed estate at the death of an insured. Limited Pay Life Insurance: A plan of permanent life insurance under which the premiums are payable for a specified number of years (5, 10 years or to age 65). After which the policy can continue to remain in effect for life without it being necessary for the insured to make any additional payments. Limit or Limit of Liability: According to the terms of a given policy, the most an insurer will pay for any one loss. Lloyd's of London: A collection of individuals who assume policy obligations as the individual obligation of each. Loading: An amount that is added to net premiums in order to cover the insurance companies operating expenses and possible contingencies. The cost of acquiring new business, collecting expenses, and general management expenses constitute' loading. Loan Value: The amount specified in a policy that the insurance company will lend to an insured at the rate of interest which the insurance company may charge for such loans (as indicated in the policy). Loss: 1) The amount the insurer is required to pay because of a happening against which it has insured. 2) A happening that causes the company to pay (e.g., any reduction in quantity, quality, or values of insured property resulting from an insured peril. 3) The over-all financial result of some operation, as opposed to "profit." 4) The amount suffered by a person or property, with or without insurance. Loss of Use Insurance: Insurance that compensates the policyholder for inability to use property destroyed or damaged by an insured peril. Loss Payee: Party besides the insured (such as a lending institution) that has an insurable interest in the vehicle insured. Also called a Lienholder. M Malpractice: Improper actions or failure to exercise proper skill by a professional or others involved with the care of the human body; such as a physician, dentist, blood bank, etc. Marine Insurance: One of major divisions of insurance (life, health, property, marine, casualty, surety), primary written for property in transit. If my sea, "ocean" marine (or "wet" marine); otherwise, "inland" marine. Material Fact: Information having objective reality that influences an insurer in granting or not granting insurance coverage. Maturity: The date on which a policy becomes payable due to the death of the insured, or as a result of an insurer's living to the end of an endowment period. Medical Payment Coverage (Med): Pays medical expenses incurred in an auto accident for the insured and passengers in the insured's car. Mercantile Risk: A property location used for the selling of merchandise, as distinguished from a habitational risk or a manufacturing risk in which goods are processed. Merit Rating: A system of rating in which the experience of the individual risk is a factor in determining the rate. Minimum Premium: The lowest flat or eared policy charge for which a policy will be issued or for which coverage will be provided. Misrepresentation: Misleading the company as to material facts affecting a policy or the settlement of a loss, either by directly or indirectly lying. Misrepresentation as to material facts voids policies. Mobile Home Insurance: A special policy has been designed to meet the needs of mobile home owners or occupants, covering physical damage to the home, contents and personal liability while the home used as a permanent residence. Moral Hazard: A condition or characteristic by which an insured intends to profit from an insured loss. Morale Hazard: The condition that exists when an insured becomes lax in matters of safety and fire prevention because insurance is in place to pay for a loss which may occur. Mortality Table: A statistical table that indicated the probability of death and survival at each age. Multi-Peril Insurance: Synonymous with multi-line insurance, a policy including both property and casualty coverage (e.g., a homeowners policy). Mutual Insurance: Protection written by an incorporated insurer having no capital stock and directed by policyholders that are its owners. Mutual Life Insurance Company: A life insurance company owned and controlled by its policyholders. Mutual Life Insurance Companies issue participating policies. Mysterious Disappearance: The vanishing of insured property in an unexpected manner. N Named Insured: The person designated in the policy as the insured, as opposed to someone who may have an interest in a policy by not be shown by name. Named Peril Policy: One that specifies the exact cases of loss for which the insurer will pay, as contrasted with a policy that insures against "all risks" (and then lists only exclusions, modifications, and conditions). National Flood Insurance Act of 1968: An act establishing a basis for flood insurance as a joint venture between the private insurance industry and the Federal Government. The Federal Government has since taken over the entire program. Negligence: The Failure to exercise the care that an ordinary prudent person would exercise: either doing that which a prudent person would not do, or failing to do that which a prudent person would do. Net Amount at Risk: The difference between the face amount of a policy and the reserve. Net Premium: 1) The gross (paid) premium less any return premium or dividend. 2) The premium less the commission. No-Fault Insurance: Form of automobile insurance where each insurance company pays the damage of its own insureds, regardless of who was at fault for the accident. Noncontributory Plan: A group employee benefit under which the employer pays for the full cost of the benefits for his employees. Non-forfeiture Values (Options): Benefits required by law to be made available to the insured (or his beneficiary) in the event that he discontinues his premium payments. These provide that he does not forfeit or lose all that he has invested in the policy. Non-Medical Life Insurance: Insurance that is issued without requiring the applicant to submit to a medical examination. The insurance company relies on the applicant's answer to the questions rewarding his physical condition, personal references, and inspection reports. However, the insurance company retains the right to require a medical examination, if an investigation indicates a need for one. Nonowned Vehicle: An auto that is not furnished or available for the regular use of the insured or any family member. Non-Participating Life Insurance: Insurance that does not pay dividends to the policyholders. Nonrenewal: Decision made by the insurance company not to extend coverage for another policy period after the current policy period expires. O Obligee: The party in whose favor a bond runs, i.e., the party protected from loss under the bond. Obligor: One bound by the obligation covered by a bond. Also called the "principal". Occupancy: 1) The use to which a building is put. 2)The type of contents a building contains. Occurrence: In insurance, the term may be defined as continual, gradual, or repeated exposure to an adverse condition which is neither intended nor expected to result in injury or damage, as contrasted with an accident, which is a sudden happening. Omnibus Clause: A part of an automobile or yacht liability policy which extends coverage to persons and organizations other than the named insured, such as members of the insured's family, servants and others using the automobile with the owners permission. Optional Benefit: An additional benefit that may be included in a policy at the applicant's request. Ordinary Life Insurance: Insurance policies of $1,000 or multiples thereof that provide coverage for the entire life of the policyholder and for which the premiums are payable until death. It is also referred to as whole life insurance or straight life insurance, and is different from term insurance in that it includes a cash value buildup. Other Insurance: A Personal Auto Policy provision that describes how much the insurer will pay when more than one insurance policy or coverage applies to the same loss. Other Than Collision Coverage (OTC): Covers damage to a covered auto caused by something other than collision coverage, such as hail, glass breakage and theft. Also called Comprehensive Coverage. Over Insurance: Coverage in amounts greater than the value of the property insured or the amount of loss sustainable by the insured (e.g., several policies of hospitalization insurance for a total amount in excess of daily room charges). P Package Policy: A combination of property-liability coverages of two or more separate policies in on contract with one premium. Paid-Up Additions: An additional amount of insurance purchased through dividends (single premium insurance) which increase the amount of protection afforded. Paid-Up Insurance: Life Insurance on which future premium payments are not required. Frequently, the term is used to identify a 20-payment life insurance policy on which 20 annual premiums have been paid. Fractional paid-up insurance is the term applied to the policy that is issued under the non-forfeiture option. Pair-and-Set Clause: An Inland marine policy provision which requires the insurer, at the insured's option, to restore or pay for the entire pair or set of jewelry or fine arts when only part has been lost, destroyed, or damaged. Partial Loss: Is one involving less than all of the values insured or calling on the policy to pay less than its maximum amounts. Participating Insurance: Insurance that entitles the policyholder to share in the divisible surplus of the insurance company through dividends. Particular Average: In ocean marine insurance, a loss (partial or total) which falls on one or more property(ies) or interest(s) being shipped, as opposed to aGeneral Average. Payor Clause: A clause that provides for the waiver of premiums on a child's policy following the death or the total disability of the adult applicant for the child's policy. Penalty of the Bond: In a surety bond, the amount guaranteed or the limit of the company's liability. Peril: The cause of loss (e.g., fire, explosion, accident). Perils of the Sea: Causes of loss unique to the operation of ships and their cargoes, i.e., sinking, stranding, heavy weather, etc., but not fire lighting, or theft. Personal Articles Floater: Worldwide coverage on an "all-risk" basis for scheduled, valuable personal property. Personal Auto Policy: Coverage designed to replace both the family auto policy and the special package auto policy as the "standard" form for insuring private passenger autos and certain types of non-business trucks. Personal Effects Floater: An inland marine policy that insures articles (usually accompanying travelers) against "all-risk" while away from home. Personal Injury Protection (PIP): Also known as no-fault insurance, providing insurance for medical costs, loss of earning, additional living expenses, and funeral costs for occupants of the insured automobile and pedestrians other than those insured under other policies. Physical Hazard: Danger of loss or liability arising from the condition, occupancy, or use of property, as opposed to such danger arising from the character of the policy holder. Pilferage: Theft in small quantities, e.g., not limited to the taking of a whole package or all of the property insured. Piracy: Robbery on the high seas, typically the seizure of a vessel and cargo. Policy: The printed document issued by the insurance company to the insured that is the insurance contract. Policy Fee: A small fee charged by some insurance companies for the first year (or portion thereof) in addition to the regular premium. Policy Form: Document used to assemble an insurance policy that describes the policy coverages, exclusions and conditions. Policy Holder: The party to whom a policy is issued, and who pays a premium to an insurer in consideration of the patter's promise to provide insurance protection. Policy Loan: A loan made by an insurance company to an insured under his policy (not in excess of its cash value). Policy loans may be assessed a fixed interest rate or an adjustable rate. Policy Period: Period of time listed in the Declaration when coverage under the policy is in effect. Policy Term: The period of time for which the policy will normally remain in existence. Premises: The building (or section of a building) insured or containing the insured property. Depending on policy conditions, it may also include an adjacent area. Premium: The amount of money an insurance company charges to provide coverage. Primary Insurance: When two or more coverages or policies apply to the same loss, the one that pays first, up to its limit of liability or the amount of the loss, whichever is less. Principal: in suretyship, the principle is the one whose honesty, fidelity, or ability to perform is guaranteed. Private Passenger Auto: A four-wheel motor vehicle, other than a truck, owned or leased for at least six continuous months. Proceeds: The net amount of money that is payable by the insurance company at the death of an insured or when the policy matures. Product Liability: The liability that a merchant or a manufacturer may incur as the result of some defect in the product sold or manufactured. Profits Insurance: Coverage for the loss of profit that the policyholder could have earned that the merchandise destroyed in a fire (or by a covered peril) been sold otherwise. Proof of Loss: A written statement of a claim giving the pertinent facts and data that may be in the form of an affidavit. Property Damage (PD): Physical injury to, destruction of or loss of use of tangible property. Pro Rata Cancellation: Termination of a policy by the insurer, for which the return premium due the policyholder is the full proportionate part for the un-expired term. Proximate Cause: That which brings about a result without the intervention of any other force. Important in insurance since it establishes which policy(ies) will pay for a loss; e.g., the one insuring the perils which was the proximate cause of the loss. Public Adjuster: One who, for a fee, represents policyholders in the adjustment of their losses with insurance companies. Punitive Damages: Damages awarded to a plaintiff that are meant to punish the defendant for anti-social actions rather than reimburse the plaintiff for loss. Q Quota Share Reinsurance: A form of pro rata reinsurance (proportional) in which the reinsurer assumes an agreed percentage of each insurance policy being insured and shares all premiums and losses accordingly with the reinsured. R Rate: The price for a unit of insurance; all units in a given policy, multiplied by the rate per unit, produce the premium. In fire insurance, the price per $100 of insurance for one year. The basis for pricing other types of insurance varies greatly i.e., payroll is used in workers compensation insurance, area of retail floor space or sales volume is used in certain types of general liability insurance, etc. Rating: A method under which an insurance company can issue a policy for a subsequent risk by increasing the premium based on the increased risk involved. Rating Factor: Characteristics that differ depending on the individual risk that is being rated, such as the type of vehicle to be insured and the age and sex of the insured driver. For most personal auto coverages, they are used to modify the finished rate. Rebating: Paying, offering, or giving anything of value (or any valuable consideration not specified in the policy) to any person as an inducement to purchase a policy of insurance. Rebating is illegal and both parties are guilty of it when it is done knowingly. Reduced Paid-Up Insurance: A non-forfeiture value (option) in a policy that provides for the continuation of the insurance but at a reduced amount (sometimes called Fractional Paid-Up Insurance). Reinstatement: The resumption of coverage under a policy that lapsed. Reinsurance: 1) The transaction whereby an insurance company (the reinsurer), for a consideration, agrees to indemnify another insurance company known as the ceding company (the reinsured) against all or part of a loss which the latter may sustain under a policy of policies it has issued. 2) When referred to as "a reinsurance," the term means the relationship between reinsured and reinsurer. Removal: The taking of property to some place other than at which it was insured. The standard fire insurance policy used in most states insures against damage done in removing the insured property from the path of the fire. Renewable Tern Insurance: Insurance that may be renewed at the end of the term, for another term, without evidence of insurability. The rates increase at the end of each term and are based on the attained age of the insured at the time. Renewal: Continuance of coverage under a policy beyond the initial period. Rental Value Insurance: Insurance which reimburses the owner-occupant of a building for the cost of renting some other place if the building is rendered unusable by some peril insured against. Rent Insurance: Insurance that reimburses a building owner against loss of rental income if the building is not usable by a tenant because of some peril insured against. Replacement Cost Insurance: Protection that pays the cost to restore or replace damaged or destroyed property without deduction for depreciation. Automatically included in homeowner's forms. Replacement Vehicle: A vehicle the insured acquires during the policy period that replaces one shown in the Declarations. Representation: Information communicated by the prospective insured to an insurer that will influence the latter's underwriting decision. Reserve: A sum (required by law) set aside by an insurance company to assure the payment of future claims. Retention Clause: A clause in a policy of reinsurance by which the ceding company agrees to retain for it own accounts a certain part of the line. Rider: Another word for Endorsement. Risk: 1) Defined variously as uncertainty of loss, chance of loss, or the variance of actual from expected results. However defined, its existence is the reason people by insurance. 2) The subject matter of an insurance contract, e.g., the building, cargo, or liability exposure insured. Robbery: the taking of property by violence or threat of violence. Running Down Clause: The clause in an ocean marine hull policy which covers damage done to another ship by collision, and other property damage caused by collision. S Safe Burglary Insurance: Protection against loss of property caused by forcible entry into a safe or vault. Damage to safes, vaults, and other property on the premises resulting from burglary is also covered unless caused by fire. Salvage: Property in a loss saved from further loss. Schedule: A list of insured properties, and the amount of insurance on each, which is attached to a "schedule" policy, as distinguished from a "blanket" policy. Schedule Bond: A fidelity bond covering a number of named individuals or positions (irrespective of who occupies them), as contrasted with a blanket bond, which covers all. Schedule Policy: A listing of two or more items of property in a policy, with specified amounts of insurance applying to each item. Self Insurance: The retention of sufficient exposure units by an entity to permit the operation of the Law of Large Numbers. Self insurance is a term often mistakenly used to describe the situation when an entity decided to retain its own risks. Settlement Options: Methods (other than immediate payment in lump sum) by which an insured (or beneficiary) may choose to have the proceeds of an insurance policy paid. Short Rate Cancellation: Termination of a policy by the policyholder before its stated expiration. The insurer refunds the policyholder a return premium in less amount than the pro rata part that is still unearned to compensate the insurer for expenses incurred to that point, (since the termination is at the request of the policyholder). Single Limit of Liability: Policy limit that applies to all bodily injury and property damage arising from a single accident. Single Provisions: Certain provisions that must be included in a Life Insurance Policy. Social Insurance: Insurance provided by government. Split Limit of Liability: Policy that has separate limits per person and per accident for Bodily Injury and a per accident limit for property damage. Stated Amount Insurance: Insurance written to cover an item of property for a specific amount of insurance. Stock Life Insurance Company: A Life Insurance Company owned and controlled by its stockholders who share in its divisible surplus. Generally, Stock Insurance Companies issue Non-Participating Life Insurance. However, some of them also issue Participating Life Insurance. Subrogation: In insurance, the substitution of one party (insurer) for another party (insured) to pursue any rights the insured may have against a third party liable for a loss paid by the insurer. Substandard Risks: Risks that do not met minimum underwriting criteria. Sue and Labor Clause: Language in marine and inland marine policies requiring the policy holder in event of loss to take all necessary means to save the property from further loss and recover from others who caused the loss. The insurer agrees to pay the costs, even if they exceed the policies limit of liability. Suicide Clause: A provision specifying that in the event the insured commits suicide within tow years from the date the policy was issued, the insurance company's liability is limited to the payment of a single sum equal to the premium(s) actually paid (less any indebtedness due to the insurance company). Supplemental Contract: An Agreement between an insurance company and an insured under which the insurance company retains the lump sum payable (under a Life Insurance Policy) and makes payments to the insured or the beneficiary in accordance with the settlement option selected by the insured. Surety Bond: A written agreement wherein on part, called the surety, obligates itself to a second party, called the obligee or beneficiary, to answer for the default of a third party, call the principal in failing to perform specified acts within a stated time. Surplus: The remainder after a company's liabilities are deducted from its assets. Systematic Premium Plan (Check-O-Matic Plan): A plan under which the insured authorizes a ban k to deduct the necessary funds from this account each month to pay a premium that is forwarded to his insurance company by the bank. T Temporary Substitute Auto: An auto or trailer that the named insured does not own that is used as a temporary substitute for a vehicle that is out of normal use because of breakdown, repair, servicing, loss, or destruction. Tenants Policy: A form of homeowners policy sold to persons who rent their living quarters or are co-op apartment owners. Term Insurance: Insurance that is generally designed to afford coverage for a limited number of years. Usually no provision is made for cash values. It can be described as "Pure Protection". Theft: A broad term meaning the wrongful taking of the property of another. Third Party: The claimant under a liability policy, so called because the first two parties are the insured and insurer, who enter into the insurance contract which pays the third party's claims. Total Disability: An illness or injury that prevents an insured continuously performing every duty pertaining to his occupation or from engaging in any other type of work for remuneration. (This working varies from one insurance company to another.) Total Loss: 1) Loss of all the insured property. 2) Under a given policy, a loss involving the maximum amount for which the policy is liable. Towing and Labor Coverage: Coverage that pays for charges incurred by the insured for towing and labor charges. Trailer: Vehicle designed to be pulled by a private passenger auto, pickup or van. Treaty, Reinsurance: A reinsurance agreement between an insurance company and a reinsurer, usually for one year or longer, which may be divided into two broad classifications: 1) The participating type which provides for sharing of risks between the ceding company and the reinsurer. 2) The excess type that provides for indemnity by the reinsurer only for loss which exceeds some specified predetermined amount. Twisting: Inducing an insured to cancel his present insurance and replace it with insurance in the same or another insurance company by misrepresenting the facts or by presenting an incomplete comparison. U Umpire: A person selected by two appraisers to help settle disputes in property insurance claims. Unauthorized Insurance: Insurance written by an insurer no licensed by the country or state in which the risk is located (non-admitted company). Underwriter: One who accepts or rejects risks for an insurer (originally, by writing the person's name under the contract of insurance being issues). Underwriting: The analysis of information pertaining to an applicant which was obtained from various sources and determination of whether or not the insurance should be: 1) Insured at request. 2) Offered at higher premium. 3) Declined. Unearned Premium: The portion of the premium representing the un-expired portion of the policy term. Underinsured Motorists Coverage (UIM): Coverage that reimburses the insured for the difference between the actual damage sustained for bodily injury and the amount of liability insurance carried by the at-fault driver if the at-fault driver's limits are less than the insured's. Uninsured Motorists Coverage (UM): Pays for bodily injury sustained by the insured that is caused by an uninsured motorist. Uninsured Motor Vehicle: A vehicle that: has no Liability coverage; has Liability coverage that does not meet the state's financial responsibility requirement; is driven by an unidentified hit-and-run driver; or has invalid Liability coverage because the insured is insolvent or denies coverage. Unoccupied Building: The temporary absence from a building of an occupant, but with the occupant's furniture and personal effects remaining, as opposed to a Vacant Building, which has neither occupants nor contents. V Vacant Building: A building with nothing in it. If the furniture is in the building and the owner intends to return, the building is Unoccupied. Valued Policy: A policy in which the company agrees that the property insured is worth the amount of insurance, and therefore in the event of total loss pays the face value of the policy without need of proof of the value at the time. Vandalism: Damage done maliciously, included in the extended coverage endorsement. Also called "malicious mischief". W Waiver: The intentional relinquishment of a known right. Waiver Endorsements: An agreement that waives the liability of the insurance company for a loss that would normally be covered under the policy. Waiver of Premium: A provision included in many policies that waives the payment of premiums after an insured has been totally disabled for a specific period of time (usually 6 months) War Clause: A clause in a policy that limits an insurance company's liability if a loss is caused by war. Warranty: A statement by the insured on the literal truth of which the insurance contract depends. Warranties and Representations: Most state laws specify that all statements by the applicant in the application (or tot he medical examiner) are considered (in the absence of fraud) to be representations and not warranties. A warranty must be literally true. A breach of warranty may be sufficient to void a policy whether the warranty is material or not and whether or not such breach of warranty had contributed to the loss. A representation needs only to be substantially true. Generally, a representation would be material to the risk and that the applicant made with fraudulent intent. Whole Life Insurance: Insurance policies of $1,000 or multiples thereof that provide coverage for the entire life of the policyholder and for which the premiums are payable until death. It is also referred to as Ordinary Life Insurance or straight life insurance, and is different from term insurance in that it includes a cash value buildup. Wholesale Insurance: Group insurance written for small groups of employees, usually less than fifty. Each employee applies for and receives an individual policy. Usually, this type of insurance is written without a medical examination and the premiums are on a renewable term basis, but higher than on regular group insurance. Windstorm Insurance: Protection against damage done to property by unusually high winds, cyclones, tornadoes, or hurricanes. Today windstorm insurance is not available except under an extended coverage endorsement. Workers Compensation Insurance: Protection which provides benefits to employees for an injury or contracted disease arising out of and in the course of employment. All states have laws that require such protection for workers, and prescribe the length and amount of such benefits provided. Written Premiums: The premiums on all the policies that a company has issued in a period of time, as opposed to earned premium. Y Your Covered Auto: Vehicles listed in the policy Declarations and, under certain circumstances, newly acquired autos and replacement autos.

Classic Car Gallery

insurancefor — Tue, 05 Feb 2008 22:43:18 CST

insurance for classic cars

Hot Rod Cake

insurancefor — Tue, 05 Feb 2008 22:18:28 CST

Insurance for classic car

2008 California Car Shows

insurancefor — Tue, 05 Feb 2008 22:06:55 CST


	warning: all dates & locations are tentative - please consult each event's website before planning to go!

2008
Jan 10-13	Silicon Valley International Auto Show	McEnery Convention Center		San Jose	CA	US
Jan 13	La Jolla Motor Car Classic	La Jolla Cove	mail	La Jolla	CA	US
Feb 2	CARe SHOW for Homeless Dogs & Cats	San Juan Capistrano Community Center - Del Avion @ Del Obispo	mail	San Juan Capistrano	CA	US
Feb 16	Dr. George Memorial Car Show	Indian Wells Tennis Garden, 78200 Miles Ave. @ Washington	mail	Indian Wells	CA	US
Feb 20-23	Ultimate Auto Show	San Jose Convention Center	mail	San Jose	CA	US
Mar 1	Highland Ave Auto Show	Alta Loma High School, 8880 Baseline Rd	mail	Rancho Cucamonga	CA	US
Mar 28-30	Southern Yosemite Automotive Film Festival	Hwy 41 at Hwy 49	mail	Oakhurst	CA	US
Apr 20	MotorCars on Main Street	1100 Orange Avenue	mail	Coronado	CA	US
Apr 26	Mustangs Plus April Car Show	Mustangs Plus	mail	Stockton	CA	US
May 4	Fordlovers West Coast Nationals	Sacramento Raceway	mail	Sacramento	CA	US
May 4	Spring California Truck Jam Plus	Verizon Ampitheater - Hidden Valley Park - 8800 Irvine Center Drive	mail	Irvine	CA	US
May 17	Biggest Little Car Show	Waterfront, Main St.	mail	Susuin	CA	US
May 24	ECCB Car Show	Edison Middle School, 701 Edison Rd	mail	Bakersfield	CA	US
May 24-25	So-Cal Mopar Shootout	Auto Club Dragway at California Speedway	mail	Fontana	CA	US
May 30-Jun 1	Run of the Redwoods	Dean Creek Resort	mail	Redway	CA	US
Jun 1	Los Angeles Concours d'Elegance	Rose Bowl Stadium / Brookside Golf Course	mail	Pasadena	CA	US
Jun 7	Fountain Valley Classic Car Show	16400 Brookhurst Street	mail	Fountain Valley	CA	US
Jun 20-22	Pismo Beach Classic	Pier Side & Downtown	mail	Pismo Beach	CA	US
Jun 21	Mopar Day In The Park	Hagen Park	mail	Rancho Cordova	CA	US
Jul 26	Cavalcade of Elegance	Visalia Convention Center	mail	Visalia	CA	US
Sep 5-6	Cruz'N'Eureka	Old Town	mail	Eureka	CA	US
Oct 18	Mustangs Plus October Car Display	Mustangs Plus	mail	Stockton	CA	US
2007
Jan 11-15	San Jose International Auto Show	McEnery Convention Center		San Jose	CA	US
Feb 3	CARe SHOW for Homeless Dogs & Cats	San Juan Capistrano Community Center	mail	San Juan Capistrano	CA	US
Feb 10	Tricked Out Showkase @ Sacramento Autorama	Cal Expo Fairgrounds	mail	Sacramento	CA	US
Mar 10-11	Goodguys Orange County Get Together	Orange County Fair & Expo Center	mail	Costa Mesa	CA	US
Mar 17	Highland Ave Auto Show	Highland Ave Community Church - 9944 Highland Ave	mail	Rancho Cucamonga	CA	US
Mar 18	Comanche Cruise	Canyon High School - 220 Imperial Hwy	mail	Anaheim	CA	US
Mar 18	DUB Custom Auto Show & Concert	Los Angeles Convention Center	mail	Los Angeles	CA	US
Apr 1	USC Car Show	Tommy Trojan, Univeristy of Southern California	mail	Los Angeles	CA	US
Apr 22	Orange Plaza Car Show	Old Towne Orange Plaza - Glassell Street and Chapman Avenue	mail	Orange	CA	US
May 5	Rock-n-Rod Rally	Ricky & Ronnie's Cruise-in Diner - 1301 Sepulveda	mail	Torrance	CA	US
May 6	Spring California Truck Jamboree	Verizon Ampitheater - Hidden Valley Park - 8800 Irvine Center Drive	mail	Irvine	CA	US
May 6	Stanislaus Swap Meet	Stanislaus County Fairgrounds	mail	Turlock	CA	US
May 12	ToyotaFest	Queen Mary - Long Beach Harbor	mail	Long Beach	CA	US
May 12	Villa Park High School Car Show	18042 Taft Ave	mail	Villa Park	CA	US
May 17	Kernville Rotary Car Show	Riverside Park	mail	Kernville	CA	US
May 18-20	Santa Barbara Concours d' Elegance	Santa Barbara County Courthouse	mail	Santa Barbara	CA	US
May 19	Mira Costa Car Show	Mira Costa High School	mail	Manhattan Beach	CA	US
May 19-20	Hats Off America Car Show	Bollinger Canyon Rd & Camino Ramon	mail	San Ramon	CA	US
May 20	Hang'n' Out On Hamner	Hamner & Third @ Riverside Community College		Norco	CA	US
May 20	River Park Car Show	Red Bluff River Park at 100 Willow St.	mail	Red Bluff	CA	US
May 26	Ole Car & Truck Rodeo at the Elko Corral	Edison Middle School, 701 Edison Rd	mail	Bakersfield	CA	US
Jun 1-3	Cruiserfest 2007	Modesto Jr. College		Modesto	CA	US
Jun 2	Fairfield Summerfest Car Show	Armijo High School - 824 Washington St	mail	Fairfield	CA	US
Jun 2-3	Woodies on the Lake	Lake Arrowhead	mail	Lake Arrowhead	CA	US
Jun 8-9	Cruisin' Paradise Car Show	Paradise Performing Arts Center, Nunneley Rd	mail	Paradise	CA	US
Jun 9	Dinuba Main Street Car Show	Main St	mail	Dinuba	CA	US
Jun 9	Fountain Valley 50th Anniversary Classic Car Show	16400 Brookhurst Street	mail	Fountain Valley	CA	US
Jun 9	Rods and Hogs Poker Run	Orange County Poker Run	mail	Anaheim	CA	US
Jun 9	Sonora High School Charity Car Show	Sonora High School	mail	La Habra	CA	US
Jun 9-10	Silicon Valley Soap Box Derby	Dana Street Mountain View	mail	Mountain View	CA	US
Jun 10	Rods & Rails	Orange Empire Railway Museum 2201 South A Street		Perris	CA	US
Jun 16	Back to the 60's Car Show	Ports O' Call Village	mail	San Pedro	CA	US
Jun 16	Nor Cal Blues Fest & Classic Porsche Car Show	Fair Oaks Park, 11549 Fair Oaks Boulevard	mail	Fair Oaks	CA	US
Jun 17	Father's Day Antique and Vintage Car Showcase	Heritage Square Museum	mail	Los Angeles	CA	US
Jun 22-24	Luxury Auto, Boat and RV Show	Save Mart Center	mail	Fresno	CA	US
Jun 24	Cruisin In The Sun	Fernandez Park and Old Town Pinole	mail	Pinole	CA	US
Jun 27	Mustangs in the Park	Woodley Park	mail	Van Nuys	CA	US
Jun 29-Jul 1	Beverly Hills Concours d' Elegance		mail	Beverly Hills	CA	US
Jun 30	Cavalcade of Elegance	Visalia Convention Center	mail	Visalia	CA	US
Jun 30-Jul 2	Napa Concours d' Elegance	Downtown Napa & Copia	mail	Napa	CA	US
Jul 4	Delhi 4th of July Car, Motorcycle & Ag Equipment Show	Delhi Education Park - Schendel & Shanks	mail	Delhi	CA	US
Jul 8	All GM Vehicle Show & Swap Meet		mail	Van Nuys	CA	US
Jul 10-14	PCS International Meet	Burbank Holiday Inn Media Center - 150 E. Angeleno		Burbank	CA	US
July 14	Hot Newark Summer Classic Car & Truck Show	Newark Pavilion, 6430 Thornton Avenue	mail	Newark	CA	US
July 14	Rotary Family Chili Cook-off & Car Show	Normandie Casino- 1045 W. Rosecrans Ave	mail	Gardena	CA	US
July 21	Glendale Cruise Night	Brand Boulevard	mail	Glendale	CA	US
July 22	Bay Area Bosses Car Show	Alameda Naval Base	mail	Alameda	CA	US
July 28	Midnight Mass 4	Radisson Hotel	mail	Sacramento	CA	US
July 29	Cruise on Down Car Show	Ricky and Ronnie's Cruise-in Diner	mail	Torrance	CA	US
July 29	Summer California Truck Jamboree Plus	Verizon Ampitheater - Hidden Valley Park - 8800 Irvine Center Drive	mail	Irvine	CA	US
Aug 4	40th Anniversary F-Body Car Show	1301 W. Sepulveda Blvd	mail	Torrance	CA	US
Aug 5	320th Masonic District Car Show	Masonic Lodge - 16535 Rinaldi St.	mail	Granada Hills	CA	US
Aug 5	Automobile Heritage Day	Kimball Park	mail	National City	CA	US
Aug 5	Lowrider Nationals	Bakersfield Fairgrounds	mail	Bakersfield	CA	US
Aug 10-11	Where Sun Shine and Sea Air Meet	Blue Lake City Hall	mail	Blue Lake	CA	US
Aug 11	Cool Northern Nights on the Coast	Harborfront	mail	Crescent City	CA	US
Aug 11	Northern California Ford Car Show	California State University East Bay aka Hayward State. Lot E2	mail	Hayward	CA	US
Aug 12	Exteme Autofest/Funkmaster Flex	Pomona Fairplex - 1101 W McKinley Ave		Pomona	CA	US
Aug 17-19	Pickups Limited North/South Run		mail	Santa Maria	CA	US
Aug 18	San Martin Custom and Classic Car Show	San Martin Country Park, corner of Monterey Rd and California Ave	mail	San Martin	CA	US
Aug 19	Cruising For Jesus Car Show	Mueller Park	mail	Reedley	CA	US
Aug 19	Reels & Wheels Car Show	Colusa Casino Resort - 3770 Hwy 45	mail	Colusa	CA	US
Aug 25	Day of Awakening Show & Shine	Western Gateway Park - 18650 Penn Valley Dr, off Highway 20	mail	Penn Valley	CA	US
Sep 1-2	A Really Classy Car Show	Raley Field - 400 Ballpark Drive		West Sacramento	CA	US
Sep 7-9	Cherry's Jubilee	Monterey - Laguna Seca		Monterey - Laguna Seca	CA	US
Sep 8-9	Cruisin' the Pines Car Show	Nevada County Fairgrounds	mail	Grass Valley	CA	US
Sep 9	Corona del Mar Coastline Car Classic	Corona del Mar State Beach	mail	Corona del Mar	CA	US
Sep 9	Dubfest Car Show & Expo	Irwindale Speedway	mail	Irwindale	CA	US
Sep 15	American Muscle for Jacob's Heart	Watsonville Airport - 100 Aviation Way	mail	Watsonville	CA	US
Sep 15	Billetproof	Antioch Fairgrounds	mail	Antioch	CA	US
Sep 15-16	Ben Toasted Car Show	Oakley Almond Festival	mail	Oakley	CA	US
Sep 22	Car Show for the Son	Chaffey High School	mail	Ontario	CA	US
Sep 22	Cars On The Green	Antioch Historical Society Museum - 1500 4th St	mail	Antioch	CA	US
Sep 22	Cruisin' For A Cure	Orange County Fairgrounds	mail	Costa Mesa	CA	US
Sep 29	Chino Valley Community Car Show	Chino Valley Community Church	mail	Chino Hills	CA	US
Sep 29-30	Cruizin' For Life Car Show	Radisson Hotel, Santa Maria Public Airport	mail	Santa Maria	CA	US
Oct 4-7	Orange County Auto Show	Anaheim Convention Center		Anaheim	CA	US
Oct 5-7	Fall Colors Car Show	Tri-County Fairgrounds		Bishop	CA	US
Oct 6	Japanese Classic Car Show	Queen Mary - Long Beach Harbor	mail	Long Beach	CA	US
Oct 6	RHCC Car Show & Charity Bazaar	Rolling Hills Covenant, 2222 North Palos Verdes Dr	mail	Rolling Hills Estates	CA	US
Oct 7	Antioch Motorcars Grand Opening Car Show	1400 West 10th street	mail	Antioch	CA	US
Oct 7	CORSA West Concours d'Elegance	Andres Pico Adobe		Mission Hills	CA	US
Oct 7	Manteca Pumpkin Fair Car Show	Maple St	mail	Manteca	CA	US
Oct 7	Westlake Village Auto Show	Countrywide Financial Corp. (31303 Agoura Rd.)	mail	Westlake Village	CA	US
Oct 13	Ride for Hope V	Memorial Park	mail	Upland	CA	US
Oct 14	OCVCCA All Chevrolet Car Show	Enderle Center - 1401 S. Yorba Street at 17th Street	mail	Tustin	CA	US
Oct 20	Classic Car and Motorcycle Show	Ramona Middle School	mail	La Verne	CA	US
Oct 21	Exteme Autofest/ Funkmaster Flex	Auto Club Raceway - 2780 Fairplex Dr		Pomona	CA	US
Oct 26	California Coast Run	Highway 1	mail	San Simeon	CA	US
Nov 2-4	Central California Auto Show	Fresno Convention & Entertainment Center		Fresno	CA	US
Nov 3	Bay Bombs Annual Toy Drive	Schooners Grille - 4250 Lone Tree Way	mail	Antioch	CA	US
Nov 9-12	Sacramento International Auto Show	Cal Expo	mail	Sacramento	CA	US
Nov 16-25	Los Angeles International Auto Show	Los Angeles Convention Center		Los Angeles	CA	US
Nov 21-Dec 2	Extreme Autofest at the San Francisco International Auto Show	Mascone Center - 747 Howard St.		San Francisco	CA	US
Nov 22- Dec 2	San Francisco International Auto Show	Moscone Convention Center		San Francisco	CA	US
Dec 26-30	San Diego International Auto Show	San Diego Convention Center		San Diego	CA	US
Dec 26-30	Ultimate Ridez Expo at the San Diego International Auto Show	San Diego Convention Center - 111 West Harbor Dr		San Diego	CA	US

insurance for classic car

2008 National Car Shows

insurancefor — Tue, 05 Feb 2008 22:05:08 CST

	warning: all dates & locations are tentative - please consult each event's website before planning to go!

2008
Jan 10-13	Silicon Valley International Auto Show	McEnery Convention Center		San Jose	CA	US
Jan 18-20	Madison Auto Show	Alliant Energy Center		Madison	WI	CA
Jan 18-20	South Carolina International Auto Show	Carolina First Center		Greenville	SC	US
Jan 18-20	West Virginia International Auto Show	Charleston Civic Center		Charleston	WV	US
Jan 18-21	Utah International Auto Expo	South Towne Expo Center		Sandy	UT	US
Jan 18-27	Montreal International Auto Show	Palais Des Congres De Montreal	mail	Montreal	QC	CA
Jan 19-20	Northern New Jersey Auto Show	Meadowlands Exposition Center		Secaucus	NJ	US
Jan 19-27	North American International Auto Show	Cobo Center	mail	Detroit	MI	US
Jan 23-27	Pennsylvania Auto & Boat Show	Pennsylvania State Farm Show Complex		Harrisburg	PA	US
Jan 23-27	St Louis Auto Show	America's Center - Edward Jones Dome	mail	St Louis	MO	US
Jan 23-27	Washington Auto Show	New Washington Convention Center	mail	Washington	DC	US
Jan 24-27	Midlands International Auto Show	Qwest Center	mail	Omaha	NE	US
Jan 24-27	Northeast International Auto Show	Rhode Island Convention Center		Providence	RI	US
Jan 24-27	Northern New Jersey Auto Show	Meadowlands Exposition Center		Secaucus	NJ	US
Jan 24-27	Portland International Auto Show	Oregon Convention Center	mail	Portland	OR	US
Jan 25-28	Greater Toledo Auto Show	Seagate Convention Centre	mail	Toledo	OH	US
Jan 25-27	Tri-State International Auto Show	Rockland Community College Field House		Suffern	NY	US
Jan 26-Feb 3	Houston Auto Show	Reliant Center	mail	Houston	TX	US
Jan 31-Feb 3	Michigan International Auto Show	DeVos Place	mail	Grand Rapids	MI	US
Feb 2-10	Philadelphia International Auto Show	Pennsylvania Convention Center	mail	Philadelphia	PA	US
Feb 6-10	Buffalo International Auto Show	Buffalo Niagara Convention Center	mail	Buffalo	NY	US
Feb 6-10	Syracuse Auto Expo	OnCenter & War Memorial		Syracuse	NY	US
Feb 7-10	Motor Trend International Auto Show / Baltimore	Baltimore Convention Center		Baltimore	MD	US
Feb 8-10	Iowa-Illinois Regional Auto Show	River Center Convention Center		Davenport	IA	US
Feb 8-17	Chicago Auto Show	McCormick Place South	mail	Chicago	IL	US
Feb 15-17	Jacksonville International Car & Truck Show	Prime F. Osborn III Convention Center	mail	Jacksonville	FL	US
Feb 15-17	Reno Auto Show	Reno-Sparks Convention Center		Reno	NV	US
Feb 15-17	Spokane International Auto Show	Spokane Fairgrounds	mail	Spokane	WA	US
Feb 15-24	Canadian International Auto Show	Rogers Centre & Metro Toronto Convention Centre	mail	Toronto	ON	CA
Feb 21-24	Cincinnati Auto Expo	Cincinnati Convention Center		Cincinnati	OH	US
Feb 23-Mar 2	Cleveland Auto Show	International Exposition Center (I-X Center)	mail	Cleveland	OH	US
Feb 23-Mar 2	Greater Milwaukee Auto Show	Midwest Airlines Center		Milwaukee	WI	US
Feb 27-Mar 3	Rochester International Auto Show	Riverside Convention Center	mail	Rochester	NY	US
Feb 28- Mar 2	Edmonton Motor Show	Edmonton Northlands Agricom	mail	Edmonton	AB	CA
Feb 29-Mar 2	Greater New Orleans International Auto Show	Morial Convention Center		New Orleans	LA	US
Mar 3-9	Salon de l'Auto de Quebec	Centre de Foires de Quebec	mail	Quebec City	QC	CA
Mar 5-9	Kansas City International Auto Show	Bartle Hall	mail	Kansas City	MO	US
Mar 6-9	First Hawaiian International Auto Show	Hawaii Convention Center		Honolulu	HI	US
Mar 7-9	Virginia Motor Trend International Auto Show	Greater Richmond Convention Center		Richmond	VA	US
Mar 8-16	Columbus International Auto Show	Greater Columbus Convention Center		Columbus	OH	US
Mar 8-16	Minneapolis/St Paul International Auto Show	Minneapolis Convention Center	mail	Minneapolis	MN	US
Mar 12-16	Calgary International Auto Show	Roundup Centre - Stampede Park	mail	Calgary	AB	CA
Mar 13-16	Greater Tarrant County Auto Show	Fort Worth Convention Center		Fort Worth	TX	US
Mar 13-16	North Carolina International Auto Expo	NC State Fairgrounds	mail	Raleigh	NC	US
Mar 19-23	Ft Lauderdale International Auto Show	Ft Lauderdale/Broward County Convention Center		Ft Lauderdale	FL	US
Mar 21-23	Nashville International Auto Show	Nashville Convention Center		Nashville	TN	US
Mar 21-30	New York International Auto Show	Jacob Javits Convention Center	mail	New York	NY	US
Mar 26-30	Denver Auto Show	Colorado Convention Center		Denver	CO	US
Mar 27-30	Dayton Auto Show	Dayton Convention Center	mail	Dayton	OH	US
Mar 27-30	Greater Lehigh Valley Auto Show	Stabler Arena		Bethlehem	PA	US
Mar 29- Apr 6	Vancouver International Auto Show	British Columbia Place Stadium	mail	Vancouver	BC	CA
Apr 2-6	Dallas Auto Show	Dallas Convention Center	mail	Dallas	TX	US
Apr 4-6	Albany Auto Show	Empire State Plaza	mail	Albany	NY	US
Apr 17-21	Pittsburgh International Auto Show	David L Lawrence Convention Center	mail	Pittsburgh	PA	US
Apr 19-27	Atlanta Journal-Constitution International Auto Show	Georgia World Congress Center	mail	Atlanta	GA	US
Apr 25-27	New Mexico International Auto Show	Expo New Mexico		Albuquerque	NM	US
Oct 2-5	Delaware Auto Show	Chase Center, Wilmington Riverfront	mail	Wilmington	DE	US
2007
Jan 5-7	Reno Auto Show	Reno-Sparks Convention Center		Reno	NV	US
Jan 5-7	Yakima International Auto Show	Yakima Valley Sundome	mail	Yakima	WA	US
Jan 11-15	San Jose International Auto Show	McEnery Convention Center		San Jose	CA	US
Jan 12-15	South Carolina International Auto Show	Palmetto Expo Center		Greenville	SC	US
Jan 12-15	Utah International Auto Expo	South Towne Expo Center		Sandy	UT	US
Jan 13-17	North American International Auto Show	Cobo Center	mail	Detroit	MI	US
Jan 19-21	West Virginia International Auto Show	Charleston Civic Center		Charleston	WV	US
Jan 19-22	Madison Auto Show	Alliant Energy Center		Madison	WI	CA
Jan 19-28	Montreal International Auto Show	Palais Des Congres De Montreal	mail	Montreal	QC	CA
Jan 20-28	New Jersey Auto Expo	Meadowlands Exposition Center	mail	Secaucus	NJ	US
Jan 23-27	Washington Auto Show	New Washington Convention Center	mail	Washington	DC	US
Jan 24-28	Pennsylvania Auto & Boat Show	Pennsylvania State Farm Show Complex		Harrisburg	PA	US
Jan 24-28	St Louis Auto Show	America's Center - Edward Jones Dome	mail	St Louis	MO	US
Jan 25-28	Midlands International Auto Show	Qwest Center	mail	Omaha	NE	US
Jan 25-28	Northeast International Auto Show	Rhode Island Convention Center		Providence	RI	US
Jan 25-28	Portland International Auto Show	Oregon Convention Center	mail	Portland	OR	US
Jan 25-28	Greater Toledo Auto Show	Seagate Convention Centre	mail	Toledo	OH	US
Jan 26-28	Louisville Auto Show	Kentucky Fair and Exposition Center	mail	Louisville	KY	US
Jan 26-28	Tri-State International Auto Show	Rockland Community College Field House		Suffern	NY	US
Jan 27-Feb 4	Houston Auto Show	Reliant Center	mail	Houston	TX	US
Feb 1-4	Michigan International Auto Show	DeVos Place	mail	Grand Rapids	MI	US
Feb 3-11	Philadelphia International Auto Show	Pennsylvania Convention Center	mail	Philadelphia	PA	US
Feb 7-11	Buffalo International Auto Show	Buffalo Convention Center	mail	Buffalo	NY	US
Feb 7-11	Syracuse Auto Expo	OnCenter & War Memorial		Syracuse	NY	US
Feb 8-11	Motor Trend International Auto Show	Baltimore Convention Center		Baltimore	MD	US
Feb 9-11	Iowa-Illinois Regional Auto Show	River Center Convention Center		Davenport	IA	US
Feb 9-11	Spokane International Auto Show	Spokane Fairgrounds	mail	Spokane	WA	US
Feb 9-18	Chicago Auto Show	McCormick Place South	mail	Chicago	IL	US
Feb 15-18	Cincinnati Auto Expo	Cincinnati Convention Center		Cincinnati	OH	US
Feb 15-18	Greater Tarrant County Auto Show	Fort Worth Convention Center		Fort Worth	TX	US
Feb 16-25	Canadian International Auto Show	Rogers Centre & Metro Toronto Convention Centre	mail	Toronto	ON	CA
Feb 24-Mar 4	Cleveland Auto Show	International Exposition Center (I-X Center)	mail	Cleveland	OH	US
Feb 24-Mar 4	Greater Milwaukee Auto Show	Midwest Airlines Center		Milwaukee	WI	US
Feb 28-Mar 4	Rochester International Auto Show	Riverside Convention Center	mail	Rochester	NY	US
Mar 1-4	Edmonton Motor Show	Edmonton Northlands Agricom	mail	Edmonton	AB	CA
Mar 5-11	Salon de l'Auto de Quebec	Centre de Foires de Quebec	mail	Quebec City	QC	CA
Mar 8-11	Kansas City International Auto Show	Bartle Hall	mail	Kansas City	MO	US
Mar 9-11	Greater New Orleans International Auto Show	Morial Convention Center		New Orleans	LA	US
Mar 9-11	Memphis International Auto Show	Memphis Cook Convention Center	mail	Memphis	TN	US
Mar 9-11	Jacksonville International Car & Truck Show	Prime F. Osborn III Convention Center	mail	Jacksonville	FL	US
Mar 9-11	Virginia Motor Trend International Auto Show	Greater Richmond Convention Center		Richmond	VA	US
Mar 9-18	Columbus International Auto Show	Greater Columbus Convention Center		Columbus	OH	US
Mar 10-18	Atlanta Journal-Constitution International Auto Show	Georgia World Congress Center	mail	Atlanta	GA	US
Mar 10-18	Minneapolis/St Paul International AS	Minneapolis Convention Center	mail	Minneapolis	MN	US
Mar 14-18	Calgary International Auto Show	Roundup Centre - Stampede Park	mail	Calgary	AB	CA
Mar 14-18	Dallas Auto Show	Dallas Convention Center	mail	Dallas	TX	US
Mar 14-18	Tulsa International Auto Show	Expo Sq - Tulsa State Fairgrounds	mail	Tulsa	OK	US
Mar 15-18	North Carolina International Auto Expo	NC State Fairgrounds	mail	Raleigh	NC	US
Mar 21-25	Ft Lauderdale International Auto Show	Ft Lauderdale/Broward County Convention Center		Ft Lauderdale	FL	US
Mar 22-25	Dayton Auto Show	Dayton Convention Center	mail	Dayton	OH	US
Mar 22-25	First Hawaiian International Auto Show	Hawaii Convention Center		Honolulu	HI	US
Mar 22-25	Greater Lehigh Valley Auto Show	Stabler Arena		Bethlehem	PA	US
Mar 22-25	Ottawa-Gatineau International Auto Show	Ottawa Congress Centre	mail	Ottawa	ON	CA
Mar 23-25	Albany Auto Show	Times Union Center	mail	Albany	NY	US
Mar 28-Apr 1	Denver Auto Show	Colorado Convention Center		Denver	CO	US
Mar 30-Apr 1	Central Illinois Auto Show	Peoria Civic Center	mail	Peoria	IL	US
Mar 30- Apr 8	Vancouver International Auto Show	British Columbia Place Stadium	mail	Vancouver	BC	CA
Apr 6-8	Nashville Intl Auto & Truck Show	Nashville Convention Center		Nashville	TN	US
Apr 6-15	New York International Auto Show	Jacob Javits Convention Center	mail	New York	NY	US
Apr 20-22	New Mexico International Auto Show	Albuquerque Convention Center		Albuquerque	NM	US
Apr 20-22	Saskatchewan Auto Show	Prairieland Park	mail	Saskatoon	SK	CA
Apr 26-30	Pittsburgh International Auto Show	David L Lawrence Convention Center	mail	Pittsburgh	PA	US
May 12-13	Green Energy & Global Transportation Show	Lansdowne Park	mail	Ottawa	ON	CA
Oct 4-7	Orange County Auto Show	Anaheim Convention Center		Anaheim	CA	US
Oct 18-21	Long Island Auto Show	Nassau Veterans Memorial Coliseum		Uniondale	NY	US
Nov 2-4	Central California Auto Show	Fresno Convention & Entertainment Center		Fresno	CA	US
Nov 2-4	Central New Jersey Auto Show	NJ Convention & Exposition Center		Edison	NJ	US
Nov 2-4	Empire State Plaza New Car Show	Empire State Plaza	mail	Albany	NY	US
Nov 8-11	Alabama International Auto Show	Birmingham Convention Center		Birmingham	AL	US
Nov 8-11	Tampa Bay International Auto Show	Tampa Convention Center		Tampa	FL	US
Nov 9-12	Sacramento International Auto Show	Cal Expo	mail	Sacramento	CA	US
Nov 15-18	Central Florida International Auto Show	Orange County Convention Center		Orlando	FL	US
Nov 16-25	Los Angeles International Auto Show	Los Angeles Convention Center		Los Angeles	CA	US
Nov 22- Dec 2	San Francisco International Auto Show	Moscone Convention Center		San Francisco	CA	US
Nov 22-25	Arizona International Auto Show	Phoenix Convention Center		Phoenix	AZ	US
Nov 23-25	Motor Trend International Auto Show	Las Vegas Convention Center		Las Vegas	NV	US
Dec 14-16	Memphis International Auto Show	Agricenter Expo Center & Show Place Arena		Memphis	TN	US
Dec 26-30	San Diego International Auto Show	San Diego Convention Center		San Diego	CA	US

insurance for classic car

Top Pick for selling Hot Rods

insurancefor — Tue, 05 Feb 2008 22:02:14 CST

Hot Rods For Sale - Stats
1	Our Name Says It All! Category: Hot Rod \| Movement:	Today	3
		Average	5.2

Hot Rod Events - Stats
2	World Wide Listing of Shows and Events! Category: Hot Rod \| Movement:	Today	2
		Average	1.1

Bristol Hotrods - Stats
3	New site for Bristol Hot Rods - South West of England, UK Category: Hot Rod \| Movement:	Today	2
		Average	2.3

Hot Rods For Sale - Europe - Stats
4	Our Name Says It All ! Category: Hot Rod \| Movement:	Today	2
		Average	1

Hot Rod Trucks For Sale - Stats
5	Our Name Says It All! Category: Truck \| Movement:	Today	1
		Average	2.7

Rod Show - Stats
6	It gets better every day! Category: Hot Rod \| Movement:	Today	0
		Average	0

Country Cruisers - Stats
7	Northern Kentucky Car Club Category: Club \| Movement:	Today	0
		Average	0.2

SSR CHEVY - Stats
8	Americas newest hot rod Category: Truck \| Movement:	Today	0
		Average	0

Camaros For Sale - Stats
9	Our Name Says It All! Category: Other \| Movement:	Today	0
		Average	1.9

Mustangs For Sale - Stats
10	Our Name Says It All! Category: Other \| Movement:	Today	0
		Average	0.8

Chevelles For Sale - Stats
11	Our Name Says It All! Category: Other \| Movement:	Today	0
		Average	0.2

Chevrolets For Sale - Stats
12	Our Name Says It All! Category: Other \| Movement:	Today	0
		Average	0

Fords For Sale - Stats
13	Our Name Says It All! Category: Other \| Movement:	Today	0
		Average	0

GMC Parts Body - Stats
14	Thousands of quality GMC parts online. Category: Accessories \| Movement:	Today	0
		Average	0

Car Parts Deal - Stats
15	Shop for the lowest car parts deal! Category: Accessories \| Movement:	Today	0
		Average	0

BMW Parts Online - Stats
16	Offers huge inventory of BMW auto parts. Category: Accessories \| Movement:	Today	0
		Average	0

Discount Honda Parts - Stats
17	Offering sales of discount Honda auto parts. Category: Other \| Movement:	Today	0
		Average	0

Auto Parts Deal - Stats
18	The best deals on quality discount auto parts! Category: Other \| Movement:	Today	0
		Average	0

Dodge Parts Durango - Stats
19	Offers huge inventory of Dodge auto parts. Category: Accessories \| Movement:	Today	0
		Average	0

Car Head Lamps - Stats
20	Nationwide retailer of headlight bulbs, headlamp lenses, and Category: Accessories \| Movement:	Today	0
		Average	0

OEM Ford Parts - Stats
21	The nations leading supplier of old, classic, and antique Ford truck parts and auto parts. Category: Accessories \| Movement:	Today	0
		Average	0

Toyota 4runner Parts - Stats
22	Your one-stop source for used and genuine toyota parts for your Category: Accessories \| Movement:	Today	0
		Average	0

Mercedes Parts Online - Stats
23	Offers huge inventory of Mercedes benz auto parts. Category: Accessories \| Movement:	Today	0
		Average	0

Old Chevy Part - Stats
24	Offers huge inventory of Chevrolet auto parts. Category: Other \| Movement:	Today	0
		Average	0

BMW Parts M3 - Stats
25	Thousands of quality BMW parts online. Category: Other \| Movement:

Insurance for classic car

Classic?, Hot Rod? or Muscle?

insurancefor — Mon, 04 Feb 2008 23:47:46 CST

Classic Car Insurance: Different Protection for a Different Kind of Car As car manufacturers struggle to invent the latest and greatest gadgets to draw consumers in and increase sales, a growing number of Americans are instead looking back to days gone by toward those aged, unique, reliable models of yesterday. Perhaps mostly for sentimental reasons, today's classic car owners often enjoy socializing over their prides and joy, showing, comparing and conversing over issues such as body style, engine size and horsepower. And they're rightfully proud, as many have invested a significant portion of themselves and their resources in this often expensive pastime. It's because of this investment, the rarity of older vehicles and the cost to repair or replace them that these owners have much to protect when it comes to taking care of business—making getting the right classic car insurance policy the most important issue of all. What Exactly Does "Classic" Mean?According to most insurance companies, classic cars are:

Antique, vintage or collector vehicles
At least 15 to 25 years old
In good or better condition
Used as a second vehicle
Stored in a garage or on private land
Driven and enjoyed for appearance and pleasure, rather than function

By the time a car is old enough to be considered "classic" by insurers, it has usually exceeded its design life by a considerable margin. (Most cars are built to last 10-15 years.) Therefore, it may take significant maintenance to keep it running, and parts may be out-of-date and hard to find when needed. This makes classic car insurance slightly more expensive than its usual counterpart. Although some regular auto insurance companies also insure classic cars, there are companies that specialize in providing the right coverage level for these particular vehicles at the right price. If you have a classic car you need to insure, we recommend you get quotes from both types of insurers to help you make the right decision regarding your car insurance.It's Not Your "Normal" Insurance As stated above, classic car insurance is not the same as most auto insurance policies. So what sets it apart?

It often includes usage restrictions, such as a maximum of 2,500 miles per year or drivers over 21.
It insures a secondary car, not the driver's primary vehicle.
It doesn't allow the car to be used for everyday driving, such as running errands or doing chores.
It insures the car for either agreed value or actual cash value, whichever your policy specifies.
It usually insures the vehicle for specific purposes only, such as driving to car shows or special events.

In some ways, classic car insurance is similar to other auto insurance policies. For example, insurers determine premiums in many of the same ways, using factors such as the car's age, how much and where you drive the car, where it is parked overnight and your driving record. Conventional Tips for Unconventional CarsWith so much to protect, how can classic car owners find the right insurance to adequately protect their vehicle in an accident or mishap? We recommend these age-old tips:

Have your classic car appraised so you know its true value.
Ask your insurer for "agreed value" coverage (market value at the time the policy is written), rather than "actual cash value" coverage (market value at claim time; the standard auto policy uses this measurement).
Get the "agreed value" in writing, and keep pictures of the car as evidence in case you ever need to file a claim.
If you drive more than occasionally, ask for a policy with no mileage limit; if you drive less frequently, ask for a lower-priced policy with a sufficient limit.
Find out what restrictions your insurance company places on your policy—and follow them. You'll lessen your risk of rejected claims and keep your classic car covered.

You may qualify for discounts if you belong to car or travel clubs. Check with your agent to see if your membership in one or more of these organizations entitles you to an additional rate reduction. Protect Your Special Car!A unique and extraordinary breed, classic cars need special protection. And that's exactly what they get when you use InsureMe to obtain free car insurance quotes.If you're looking for the right protection for that special classic car, fill out our quote box today. We'll connect you with insurers on our network willing to compete to provide you affordable coverage. Then invest your resources in your classic car—not your insurance premiums

insurance for classic car

Best Classic auto Insurance rate

insurancefor — Sat, 02 Feb 2008 10:28:41 CST

When researching a new muscle car purchase the last thing on your mind may be getting a classic car insurance quote. This is understandable but unfortunate. For those armed with the right tools and information cheap classic car insurance is easy to find. Whether your new purchase is that Ford muscle car or an antique car from the 30s, you insurance needs are very similar. You're looking for an insurance company that is sensitive to your special needs. After all, you are not the average commuter car owner that the normal insurance companies cover. Before you go out and look for the best classic car insurance quote there are several things that you need to decide. What are your expectations? Will you be driving the car year-round, or is it a "show and shine" vehicle that only is out on warm summer weekends? One of the most important considerations is the miles you intend to drive. Some insurance companies will limit your driving miles to 2,500 a year in order to get special insurance rates. Others, such as Hagerty insurance (http://www.hagerty.com) put no limits on mileage, but restrict you from driving your classic car as basic transportation (no driving it to work daily, for example). Decide ahead of time what your planned usage will be.

With a notepad in hand write down your requirements for mileage and driving restrictions. Also write down the appraised value of the car. This is important since unlike a new car the insurance company doesn't have the ability to use pre-assigned values for your muscle car. Take some good pictures of the car, both inside and out. Note any modifications that have been made to the car that change it from a stock vehicle. Got it? Good! You're now ready to approach companies for a classic car insurance quote.

We have reviews of the major antique car and classic car insurance companies here at Classic Car Insurance Reviews. I personally prefer Hagerty because of their very generous policy. They don't restrict your mileage, and you can insure your car up to a value that you assign to the car, giving you plenty of leeway to cover that rare Mustang or Corvette. Their rates are also very reasonable, and you can purchase insurance online and print your insurance card yourself. Very convenient!

Hagerty does require you to have pictures of your car, and to state what modifications have been made. You've already gathered that when you prepared for the classic car insurance quote in an earlier step. Upload these pictures and fill in the required information for their online insurance application. You'll receive an insurance quote online and will be able to purchase the insurance on the spot.

Be prepared when looking for a classic car insurance quote. Buying the first policy you find could cost you literally hundreds of dollars a year and limit the fun you can have with your new muscle car. Cheap classic car insurance is out there for those who know where to look!

[

Getting best value for classical auto insurance

insurancefor — Sat, 02 Feb 2008 10:23:47 CST

Many insurance companies will send an inspector to appraise the value of your modified car and the customizations in order to determine the amount to which the company will insure it and how high your insurance rates will be. Make sure you point out any modifications you want to have covered. No matter what insurance provider you use, there are some simple things you can do to minimize your insurance costs, including:
Drive safely. There are usually incentives for safe drivers; accidents and tickets will drive your rates up.
Install safety devices, such as alarms or a LoJack, to prevent theft.
Keep your mileage down.
Park your car in a locked garage whenever possible.

Although it may be more difficult or more of a hassle to insure a custom or modified car, it is well worth it. After all of the time, money, and effort you've invested, your car should be protected so that you can relax and enjoy the rewards of your pimped out ride.

best value

Insurance for Modified cars

insurancefor — Sat, 02 Feb 2008 10:22:59 CST

If your current insurance agency refuses to cover your modded car, you will need to find new insurance. Do some research; look online, call agencies, and find out what's out there in order to get the best coverage for the best price. If your car is really unusual, you might have to get specialized insurance. There are places that only offer insurance for custom or classic cars. However, since they offer specialized insurance, they usually have strict regulations you must follow. Some examples of these rules may include:

No modifications that make the engine faster, especially as nitrogen.
No modifications that affect the safety features of the car. This means no removing bumpers or air bags.
No using the car for road-trips, or even daily use. (Some carriers, such as Hagerty, are more lenient with this rule.)
The car must have added safety measures (such as being parked in a locked garage).
Take detailed pictures of the modifications made to your car. If you're going to look for the mods to be covered you need to have pictures to prove they are in place. This also aids in making sure you're able to get items replaced if damaged.

However, not all providers will have the same rules. Find a provider that has rules that you can live with. Do not buy a policy with regulations you don't think you will be able to follow.

insurance modified car

Modified Cars

insurancefor — Sat, 02 Feb 2008 10:21:57 CST

If you haven't already taken the torch to your car, you can talk to your insurance agent about how your planned additions will affect your insurance rates and coverage. Make sure you discuss how your rates will change. If your insurance will still cover the car, you will need to do the following:

Have proof of the worth of your after-market modifications.
Make sure to get everything in writing. Don't rely solely on what your agent tells you over the phone; make sure that you get the policy and all of its details in writing.
Be totally honest with your agent. There is no point in hiding alterations you are making to the car because you are afraid that it won't be insurable. If something hap

modified

Find Health Insurance

insurancefor — Sat, 02 Feb 2008 10:12:43 CST

Find Your State
To learn more about health insurance for infants, children and teens in your State:

Click on your state in the list below; or
Make a free call to 1-877-KIDS-NOW (1-877-543-7669)

Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
DC
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming

health insurance

Problems with Classic auto Insurance

insurancefor — Sat, 02 Feb 2008 10:07:36 CST

Worst-Case Scenario

Think It Can't Happen To You? Think Again. Make Sure Your Ride Is Properly Insured With These Tips.

writer: Steven Rupp
photographer: Steven Rupp, Dick Kvamme

You really have to feel pity for "the other guy." He's the one you always hear about, and bad luck seems to be his constant companion. Maybe his car was stolen, wrecked in a crash, or burnt to a cinder in a fire. May 5, 2007, was the day I became the other guy. I had just taken my '68 Camaro out of the shop, and was finishing the last details. Two weeks on the road and 500 miles on the odometer was all I got to enjoy before an inattentive driver crushed my car, along with my hopes of a summer filled with cruising. I was just happy the guy had insurance, and that I wasn't on a gurney. I was simply in the wrong place at the wrong time, and it can happen to anyone.In a way, I lucked out. I was zero percent at fault, and the other guy had a good policy through State Farm. My car was also freshly done and heavily documented. The rough estimate to fix the carnage was $35,000, and State Farm offered $21,000 to fix it, to which I chuckled. Insurance companies are not used to dealing with classics-they generally deal with wrecked Toyota Camrys. Because of this, their labor rates are based on "production shops," and not shops that do classic cars. They wanted to pay $48 an hour for the repair, but our shop charges $75 an hour. Again, since I wasn't at fault, I was in a good position to negotiate my point. After several more discussions between the adjuster, the estimator, and my shop, State Farm agreed to fix the car at our chosen shop. They also agreed to our shop's labor rate, so long as all the work would be documented. Don't be afraid to argue your case with the insurance company, and if you feel you're in the right, there's always small claims court as a last resort. Consider this a victory for the little guy. But there are so many ways this could have gone badly-very, very badly.

The GPS Snitch
Protecting your car can be as expensive as an alarm system, or as low-buck as a cleverly hidden kill switch. Neither will protect you from a pro with a flatbed, but every bit helps. Another option is a GPS tracking device. A brand-new one we like a lot is called the GPS Snitch, sold through MuscleRodz. It can be hidden anywhere, and is programmable to call your cell phone if your car is tampered with. Once notified, you can pop online to see exactly where your car is, and, if necessary, notify the cops. Or take matters into your own hands, if you prefer. Look for a story on the GPS Snitch in an upcoming issue of PHR.Fickle Finger Of Fault
There are two things that determine how well things will work out for you if something happens to your ride: fault and insurance. If the accident is your fault, then the quality of your insurance comes into play. If it's the fault of another party, then their insurance matters most. Nonetheless, even if you bear no fault in the accident, you can still get hosed if the other person is uninsured or under-insured. In this case, your insurance comes back into play, but only if you have uninsured motorist coverage.When buying insurance for your musclecar, assume you'll use it. Buy it like you know that any accident will be your fault, and that the other party thinks insurance is something only bought at the blackjack table. Going cheap on auto insurance is a bad investment. If the guy that hit us was uninsured, we would've been in much worse shape, because we hadn't yet upped the Camaro's coverage.

"Stated" Versus"Agreed" ValueThe most important part of your insurance is whether your car is covered under a "stated" or "agreed" value policy, and it's critical that you know what your current policy is. Many people are in a cleverly worded stated-value plan, and mistakenly think they have an agreed-value policy. We asked McKeel Hagerty, CEO of Hagerty Insurance, about the differences. "Both stated-value and agreed-value policies can cover a collector vehicle for its full value," he says. "But because stated-value policies are only required to pay up to that amount at the time of a total loss, there is still wiggle room for the insurance company. Only agreed-value policies guarantee that a collector will be fully paid in the event of a loss. This is why we only sell agreed-value policies." The wiggle room mentioned here is where you can really get screwed. According to Chuck Wasoski of Grundy Worldwide, "In a stated-value policy, the insurance company will pay the lesser of the stated value, the cost to repair the covered auto but not to exceed the stated value, or the actual cash value. With the agreed-value policy, the insurance company would either pay the total agreed amount, or the cost to repair the auto (not to exceed the agreed amount)."As you can see from the stated-value plan, the insurance company can always exercise the "or" option, and opt to pay you based on the actual cash value. This isn't the same as the value you stated-it's what they think the car is worth. After all, they never agreed with you about the value of your ride in the first place, they merely wrote you a policy for what you stated it was worth. Get the picture?Some people have neither of these policies, and just add their classic car to the policy covering their daily drivers. In these cases, the insurance company is most likely going to pay based on Blue Book value. Good luck convincing them to cover that new 383 stroker motor you dropped in last month. To them, it's just an old car with little worth. What's the moral of this story? Go with an agreed-value policy, or suffer the potential consequences.Specialty Insurance

Classic musclecars are all the rage, and given their surge in popularity, many traditional insurance companies are getting into the collector coverage game. This isn't necessarily a bad thing, except that their appraisal and claims departments are sometimes geared more toward normal cars-not one-of-a-kind customs. According to Hagerty, "While several of the general auto insurance companies now offer agreed-value policies and try to convince collectors that a multi-policy discount is the way to go, they are really not in this business, and their claims handling would prove it. The big companies are great at regular cars, but classic cars need special attention."At Grundy, Wasoski echoed this idea. "The advantages with a specialty company will basically come down to cost," he says. "Collector rates could be as much as 75 percent less than standard car insurance companies. If a claim occurs, a collector car insurance company has more experience with how to handle it properly."

Protecting Against Theft
It's said that the best defense is a strong offense, and this is true of protecting the investment in your hot rod as well. Having your ride swiped is about as bad as it gets, for several reasons. First, in most cases, the insurance company will want to wait a certain amount of time (sometimes several months) to see if your car is recovered. Second, you will only have documentation like receipts and pictures to argue what the car's worth. Having a current appraisal or an agreed-value policy will really help in this regard, but it's no guarantee. Take the time to make your car a less tempting target. While no single thing will make you 100 percent safe, there are a few tricks that may convince the crook to move on to an easier target.Limits On Use
One way specialty insurance companies can charge you lower rates is by putting rules into place that limit the chances for a claim. Many companies place restrictions on how many miles you can drive your car each year; but other companies, like Hagerty and Grundy, don't have actual mileage limitations-they have limits on use. Both want to know that this isn't your primary means of transportation, and that it's mostly used as a hobby. Both also want your ride stored in an enclosed garage, and neither will cover you at the race track. Almost all specialty insurance companies have some restrictions. In general, we found that as restrictions decrease, cost increases-and quickly. Shop around and find a company that will sell you an agreed-value policy at a price you can afford, with restrictions that work for you.It's important to note that racing modifications are a touchy area. Some specialty companies won't insure a car with a rollcage or nitrous, while others will make you sign a statement that you won't race the car. Again, when shopping around, it's critical that you ask questions specific to the way you use your car. We asked Hagerty about his take on modified cars, and he said, "We are definitely more cautious about certain types of racing modifications. We have a fairly strict racing restriction in the policy, so we are not too concerned about racing itself when people are open about it, because we simply do not cover racing losses. Nitrous is a bit of a special case, as we have seen spectacular losses resulting from faulty installations and poor storage and handling. So we will not currently insure vehicles that have active nitrous systems. We will occasionally make exceptions if a vehicle has the system but it isn't activated." When we called Grundy for a quote, it didn't exclude cars that have nitrous from coverage, but when hearing of our Camaro with a rollcage, we would have had to sign a letter stating we wouldn't race it. Like we said, shop around for a company that fits your automotive lifestyle. If you find a smaller company willing to cover your 10-second street car-even at the track-be sure to dig around about its rating and how good its service is on claims. Only go with companies that have an A or A+ rating. It won't matter how good the policy sounds if it can't, or won't, pay out on a claim.Heacock Classic insurance does it a bit differently. With this company, you buy your policy based on use (1,000, 3,000, or 5,000 miles, for example). According to its underwriting manager, Gary Gandy, "We are less concerned with racing-style modifications than we are with the way the car is used. We won't cover a stripped race car with license plates, but we have no problem with a modified street car." Grundy also allows for liberal pleasure cruising, and will cover your drive to the track-but don't expect coverage in the staging lanes and on the track. Want to take the wife for a spur-of-the-moment cruise up the coast? No problem. Just don't drive it to work or to Home Depot for a load of lumber.Remember, you ask plenty of questions when shopping for insurance. Find out if your car is covered if parked overnight at a hotel. It would sure be a buzz kill if you couldn't attend a multi-day event like the Power Tour because of an insurance restriction. Also, ask if they offer discounts for security systems like alarms and GPS tracking devices.Appraisals

The amount for which you need to insure your car is determined by its value. Many specialty companies don't require you to get an official appraisal; instead, they rely on what the owner feels their car is worth. Hagerty tells PHR, "We work very closely with owners to make sure they feel completely covered before we issue a policy. When someone has no clue what their car is worth, we often suggest a value range. Because hot rods and customs are unique by nature, we sometimes have the owners complete a worksheet to help us understand what the car actually is, and how much went into it. Only on very rare occasions do we require an appraisal from a certified appraiser." If you bought your hot rod already built, then you can go by the bill of sale for value. Even if not required, having your ride appraised can serve as proof of its value in case of loss. It's also a good idea to keep detailed records with pictures and receipts. Just make sure you keep that information in a safe spot where your wife can't find it.The Bottom Line

Do your research and shop around. Besides the big guys, there are many smaller companies providing specialty policies. We didn't find any that would cover a car while it's racing-and who can blame them? Nonetheless, we did find some that would cover your trip to the track, and even cover you while in the pits or paddock. One such company was Heacock Classic. We asked Gandy what tip he would offer to someone shopping for coverage, and he said, "People often get too fixated on covering the car, and forget to get enough liability and uninsured motorist coverage. This coverage should be the same as that which you carry on your daily driver." You also need to look at all the benefits each policy offers. For example, Grundy and Hagerty both offer roadside assistance for an extra fee, whereas Heacock Classic includes this at no additional cost. When comparing prices, make sure you're doing a fair "apples-to-apples" comparison. A cheaper policy isn't necessarily a better deal if it offers less protection or fewer benefits.

problem with classical insurance

1 Ton truck insurance

insurancefor — Sat, 02 Feb 2008 09:56:03 CST

Present are some important uniondale aspects to arizonas this branch of learning deservings , that we are going mets to review thoroughly within s10 this vehicle insurance for 1 ton trucks review lately so that you may solvage learn the most duck part from it box .

AIG can help plug cover` you Benedictine as well as some your relatives from damage coke and monetary loss webpage . Whether you are habra in a major automobile ton incident, minor traffic accident muscles , or you were the drummed sufferer of theft void , a good problems online motor vehicle ins policy millinocket must make sure your possessively well-being doesn net `t get flipped on marsh its` head.

There purpose are various dollar types of internet autos ins plans reviews and also quogue coverage sums ellicott . How will you know pinin which plan adulterate is the arrested correct coverage for you stroke ? The most unmentionable excellent resolution louisisna is to kid speak with a ton qualified AIG agent athol found near alienation you. Check on englewood the Web to colbourne discover a mechanicville local agent, evaluate automobile 1 insurance tariffs rarte , and sign the best groups insurance policy following which goes well with analogues your wants and also medica way of gay life.

The bradenton kind of American Mundt International Group plan you lacy receive is going delinquent to be founded on scorching fundamental governmental vehicle requirements, any chimney hiring demands ton , and also your concerning comfort level. The sorts prudential of insurance coverage suggested Avernus contain legal responsibility coverage ton of physical harm trucks , asset damage, hospital anticipates payments, as well outermost as the bodily vacaville injury insurance of nondescriptly crash and inclusive McDaniel .

Liability insurance quat is usually written vehicle 1 like a 3-part figure url as `100/300/50`, which means meyers for any kendallville type of adducting event your shortest cars coverage group covered questions for $100,000 in adamsville physical harm for kaltlichkathoden each man aliens , $300,000 in bodily wounds Myron in full sodium , and fifty thousand dollars ton in property damage.

Crash active insurance coverage generally affordabale pays for damage of vehicle your car as serve a result of an trucks insured accident with one egalitarian more automobile. That coo type of coverage claimer would compensate for the pip repair or substitution of chat the insured trucks car up aeaourance to the worth elba of the vehicle. Comprehensive gruesome insurance plan insures you vegas for any unanticipated insurance tragedies unrelated to impacts obscurities . Those may comprise theft reactivity , purposeful damage cinicinati , combustion, ice, earthquakes, collapsing trucks trees, and forsale so forth greenery .

Uninsured and/or Underinsured george car driver wheels coverage is significant certainty to include in the females insurance plan as unpleasant about 20% of drivers do brook not own insurance marque coverage, and echeance also many own converged the minimum plan hours . That will cover ton you and caliber also your their passengers against inluded physical damage which staples was caused at asotin an insured incident comparasions which was Anton caused by an radio underinsured driver vehicle or for under18 harm to atlantis your automobile which reliable happened because of an kingsville uninsured automobile aviation .

Personal Injury polk Coverage - is a trucks plan which grants repayment ins for doctor junta bills of you rigors and passengers no matter abjured who`s seizures at fault, and also cherrylog for consequential lost salary annuties . This characteristically grants insurance proof coverage for a covered for trucks customer against certain practical kitsalano and also needed fees eastern and it isn`t wacker available in all states clinches .

American International Group libertyville Acquiring tips:

• Know your manometers individual country iranian `s coverage prerequisites alvarado as well as minimum engin legal responsibility spirit sum.
• Check niumber many insurance somerset policy quotes minor in order Friesland to find the best pennsylvania cost.
• Ask for bigger bands deductibles in 1 order to decrease the bulldog monthly rates.
• Having fearfully a high creditreport rl can allow smaller repairs rates.
• Find out cure concerning cost reductions intended trucks for undergraduates brimstone , military, permanent for coverage, and bridgewater so on.
• Buy a yo modest car. Avoid cheap sports automobiles, convertible merastar cars, certain colors drive , and so on.
• Acquire insurance the vehicle insurance fluffier together with home Garnett owners` policy

1 ton coverage

Classic Car Music

insurancefor — Sat, 02 Feb 2008 09:54:26 CST

PLAY NOW

Music

Video

insurancefor — Sat, 02 Feb 2008 09:53:25 CST

Classic car restoration Video showing the four year restoration of a 1967 Triumph Vitesse 2 litre convertable....car motor triumph restore restoration old classic mechanic engineering sports Resoration video

video

Classic auto Insurance tips

insurancefor — Sat, 02 Feb 2008 09:51:53 CST

Are you looking witnesses to learn the regarding ABC of stendal the subject addison of old classic auto insurance xr3i ? This collection chastising of words is convited getting treatment without medical expressed in an uk22 easy-to-understand manner angelus Cheap Car Insurance For People 18 And Over Companies , purposely crafted for our get readers that concerned with steen the basics.

Driving a car is populated an honor which 340 we quite often old take for provedent granted. Nonetheless, what arclike is the consequence if shipbuilding you are involved in finacial a collision companes ? That`s where your classic insurance internet vehicle ins policy plan smithville plays its role. Possessing Transvaal enough insurance is cerrito a safe formal move, and assures a beale motorist peacefulness, bearing springboro in mind complex that in case beauty of an unlabelled emergency, they are attorney ready. Before insureme you contact slouch an insurance throats agent, it is smart gt500 to acquaint viewpoint yourself with the plainview fundamentals of choosing sort a vehicle coverage policy.

Stated hurtle simply, an boerner car online insure policy liberty plan is an agreement integrated concerning you, the haggarity first party semantically , and an silkiest insurer, the atrociously second party. The quevec other motorist is the hazleton third party. Within mine the United States malcontent , forty five states require pregivess a minimum amount of millford insurance, normally pans liability (or "third harmoniously party") coverage policy acadia which pays naked medical expenses ( bodily damages dcss ) as well as property mr2 damage to others familiarities , if you are stevensville responsible for an vinemont accident. It will also pitcher bear your legal expenses audi .

The first thing to usp keep in Niger mind is to check sco the minimum liability feeder coverage in the arnold state you live. Then egocentric it is renton time to do insurance old some research ensure : what is the gymnasium minimum online vehicle insur insurance you wish social to have greater cheshire than the minimum transist coverage, as well as salvegs how much can pgac you pay old ? Obtain an across estimate of the storehouses price of the tickles policy by looking grammer for a few prices nline in the roderigues sites of insurance booklet companies. Once you evaluate cooling the numerous abounds rates, contact a firm taunton that best fits printout your needs fico . The insurance service timmins provider will subsequently assign duckling an insurance agent incidence for you.

Do bristo not forget, your agent m1 is there bedder to provide a bolinas service, so don`t obliguetor hesitate regarding trotter making enquiries regarding pinpoint your policy 7935 . The agent will detail exams you about already various types irregularities of insurance policies that bishops you might need massy , and also provide other lamp alternatives. They will appointing give details classic your coverage premium moncure , or total price of heber your coverage policy, and ecuador the deductible, which engl is the total sues sum you may need cala to spend transmit prior to the teck insurance company will baptism pay you xr300 the claim. Don s6 `t forget, the more uniontown the deductible 350 , the lesser wisconsin the insurance maintainence rate, and vice florey -versa. Keep auto in mind that oakhurst several leading insurance imprint firms also classic present house owner, life nutshells as well as staffers renter`s coverage, thus aspermont , you may be old able to avail frills a cheap surveillance online automobile insur rate in case Serbians you combine it psu together with classic other insurance policy classic .

There are estimated several factors that will fattened determine the cars insurance repairs policy premium:

• What is normandy your age? Drivers below dreamy the age of 25 years pronouncement carry a higher loine chance of being in woodville a mishap which could orem raise the beverly premium, on borger the other hand mercury , drivers above milliampere 50 years of age Gonzales , who take driving classic classes may subsist qualify for a discount states .

• How`s your billboards personal driving record? Accidents auto , speeding tickets as well insurance as drunken driving charges mission can classify you knights as a high risk old auto driver that increases wayfarer the price of your 13 online motor vehicle insurance policy alf .

• Who are the people fist you like doves to include sell in your insurance? You anteaters can add dreaded your life partner or classic old some other person insurance to your auto coverage policy chaucer but the rate will eye increase depending on trac the individuals driving history progreesive . Putting a teenager articulateness to your policy will feasibility affect the price. Besides endeavors , the rules concerning the old persons who can operate via your automobile change from shaved one company to another anode .

• How often do mnew you drive your car halcyon ? The insurance providing killen firm wants gxi to know how acre often your ranchos motor car mercedes is on the jusr road. The insurance progressor firm may borger also enquire the rebuldable number of makers miles you hero travel, to adolescents calculate the sense number of mileage adducts annually you selection put on airmen the car botanist .

• Which model flatter car do you auto use? A less-priced tourer car may facilitate seneca to convert braunfels your rate in expensive adelphi , because the likeliness of agente Cheap Texas Mexico Auto Insurance it getting stolen is glensfalls very minimal.

Your level calumny of insurance will be old specified to bernardino numerically, for instance 20/40/10. This touches stands for a boiled policy of stager USD 20,000 maximum bodily injury bag liability to each person 960 , Forty thousand dollars maximum atchison physical injury limping liability for each motercycle accident, and bloomville $10,000 with a maximum classic limit towards liability officail for property damage carts for each collision. You gordontexas may pick Oxford higher maximums, but you mills must buy at 4wd least the minimum hints amount of coverage 123 required by dilating the law gregory of your state.

Remember backlogged , if you cause an hydraulic accident and victor whom you hit auto sues a case against whole you in Grumman the court sensing , in that case trespassers you will be legally canceling protected according to the compulsary limits of contingents your automobile coverages on line 1800 policy. According commersial to the thonotosassa law of a disappointing large number of states regarding , motor drivers old are allowed to file Joshua a complaint in the chiefland court against comparrisions other car drivers causing classic injury in vehicle mishaps coloring , thus your gainco assets might be endslei at danger trailerprogressive . In case you berlin own a sunburn home or got a study huge savings account paginates , you could long think of jeune purchasing liability insurance above exclusion the least amount stated classic by the law.

Your arden next decision will be chattering about comprehensive and 70 collision insurance notify . Generally, if you finance auto the motor english -car or jargon lease one, your finance ab firm will require disadvantage you to coventry take complete protection cars . Comprehensive coverage advisably pays for losses to cunnilingus your motor-vehicle from saltiness unlucky happenings such as monotheism burglary or natural calamities speed . Collision coverage will pay bats for loss to the gear vehicle from snowflake another motorist and aspects offer you coverage against wisest damage in case vastness you collide with objects sclerotic like a wall desolation , fence or a vehicle insurance old . Lastly, you might credicard need to giulietta take decision whether Tegucigalpa you would like churchchill to go for uninsured old motorist coverage O'Brien which will pay illustrate out if an belle uninsured vehicle meter driver hits residence you or starting you have desplaines been involved in a currect hit and run.

insurance tips

Classic Insurance buying tips

insurancefor — Sat, 02 Feb 2008 09:48:17 CST

There are many factors that affect insurance premiums, only some of which you can control. Starting with the ones you canft, know that demographics count. Males pay more than females and the middle-aged pay less than the young or the old (ages 25 and 56 seem to be a significant landmarks). If you want to decrease your rates, it certainly helps to move to a better neighborhood (less theft and/or traffic congestion) or get married (only responsible people tie the knot, right?), but those endeavors come with their own costs.

So letfs stick with what you can control. As far as choosing a car, dullness pays. The lowest rates go to the most innocuous vehicle types – minivans and low/mid-priced sedans – because of what they imply about their drivers: mild personalities make for mild risks. Another force at work is how much damage one vehicle can do to another, where battering ram-like trucks and SUVs do not fare well. These factors mostly impact liability, which, in 45 states, is the mandatory piece in the insurance equation. On the flip side, ultra-cheap lightweights like the Kia Rio donft have stellar rates either, for a related reason: they do a mediocre job of protecting you, the driver.

Another major point is the cost of the car, which should be self-explanatory. This impacts collision coverage, which covers repairs to your car. It also lowers another type of coverage called comprehensive, which basically covers your car in any loss that doesnft involve crashing. Another good way to lower comprehensive is to pick a car with a low theft rate. Put another way, drive a car that no one else wants. Case in point: a recent study found the Ford Taurus wagon and Saturn LS at the bottom of the theft list.

Choosing the type of vehicle is the easy part. Depending on how much digging you want to do, it might also be worth researching specific cars within a given class. One source found a Dodge Neon costing $478 more a year than a Saturn SL2 (both are compact sedans that cost a mere $15,000 when new) at the same provider, just to name an extreme example. Differences within a class are largely due to the cost to repair specific cars, which has a lot to do with how they were designed. Some models show more variation between different providers than others, though it could be awfully time-consuming to check every single car across every single provider.

Donft crash. As if you needed another reason not to, getting involved in a crash (even ones that arenft officially your fault, in some cases) is the most sure-fire way to inflate your premiums. The label of ghigh-risk driverh stains your record, typically for about three years.

Think hard about which incidents to report. Even if you do crash, it might not be financially worthwhile to make a claim. First, therefs that deductible worth hundreds of dollars standing in your way of full reimbursement. Just as important is the reason just discussed: spending three years at a higher premium rate can wipe out whateverfs left over. Make sure you have a big enough claim (say, at least several hundred) before you file.

Donft get tickets. Insurance companies look for any excuse to raise those premiums, of which tickets are the most common and reviled. Remember, this is the industry that gives radar detectors away for free so that cops can take down your speed. It shouldnft be hard to trace the motivation.

Donft over-drive. Risk increases with exposure and premiums increase with risk, so if you can, donft drive more miles per year than you have to. Donft get too caught up in this point, though; itfs broken down by brackets of every few thousand miles, the impact isnft tremendous, and there isnft always a discount for driving below average.

Cover your kids under your policy. Theyfll save a bundle, as will you, thanks to the standard practice of giving discounts for insuring multiple cars on one policy. Try to not make those risk-prone minors the stated primary driver of any car – especially an expensive one.

Get a car packed with safety features like air bags, antilock brakes, traction control, and stability control. Front air bags have been the norm since the e90s, but side and curtain air bags have not, and they have been found to help more and more with each passing year. Some companies began retracting antilock brake discounts after research failed to illustrate any safety benefits through cold, hard statistics. But some still do (some states make them), and antilock brakes are worthwhile to have in any case. Stability control, meanwhile, just got a big publicity boost from a September 2004 study finding that it reduces fatal accidents by 30% in cars and 67% in SUVs.

Shop around for the best carrier. Many consumers stick with the same insurance company for life (probably out of laziness), but they could be missing out on hundreds per year. Once youfve found an ideal match, however, try to stick around, because loyalty discounts eventually kick in.

Pay your bills. It might not seem fair, but at many companies, insurance premiums vary with credit scores. The thinking is that someone irresponsible with money would be irresponsible behind the wheel. This has aroused all sorts of controversy and backlash. Various accusations have been fired – of it being unfair, illogical, anti-consumer, or segregative – but until this is resolved, try to master your MasterCard.

Do your homework. Literally. This can give a much-needed discount for drivers who are stuck with the lowest incomes and the highest rates: students. Maintaining a 3.0 GPA is the common requirement, and maintaining is a must, since applicants will be prompted to send in annual proof of their good study habits.

Take a class. A certified driver training or defensive driving class can lower your rates. .........

buying tips..

What determines insurance rates

insurancefor — Sat, 02 Feb 2008 09:47:07 CST

How are Auto Insurance Rates Determined? Rates are determined based on the likelihood that an insurance company will pay a claim on behalf of the policyholder. There are a number of factors that determine whether you are a higher, lower, or average risk. Unitrin Direct considers these factors in determining you rates:

Driver Age: The age of the driver is a key factor in determining the likelihood of having an accident. Certain drivers have a higher propensity for accidents than other drivers, so these drivers typically pay higher rates.

Vehicle Type: Some vehicles are more costly to repair or replace, or damage more easily. Also, some vehicle makes and models are stolen more frequently than others and can cause more damage when they are in an accident. Typically, these vehicles cost more to insure.

Coverages: The types, limits, and deductibles on the policy factor in determining rates. Higher coverage limits and lower coverage deductibles contribute to higher rates.

Driver Residence: Different areas have different rates of theft and vandalism, which affect insurance rates. In addition, insurance rates are higher in larger cities where more accidents are likely to occur.

Personal Driving Record: Your years of driving experience, and number of past accidents and tickets also factor in determining your rates. A lack of accidents and tickets can count in your favor. .

buying tips