Re: [Chrysler300] Auto insurance

["Roger Schaaf" <obiwan10@xxxxxxxxxxx>]

How do they define "personal use" and how do they prove it in event of a
claim?   What do they do if it they do decide if it is personal use(do they
say you are not covered, especially in event of a liability claim where you
may have been at fault)?

It is these small print points that can get us into trouble, and of course
if they do get us into trouble in event of a claim, we will get an apology
for any misunderstanding.

I have the same concerns with my insurance company(s).  Perhaps I am not
covered if I use my B to drive to the auto parts store to pick up an oil
filter, I just do not know, and would hate to find out the hard way.

Perhaps some club members can offer some insight to all of us on just what
is covered, when?, and what happens if it is determined that the auto was
being used for "personal use".  Do they pay the claim and merely cancel our
policy, or do they not pay and cancel, or do they pay and tell us not to do
this again in the future?

Roger Schaaf
300 B Calif

----- Original Message ----- 
From: <dan300f@xxxxxxx>
To: <Chrysler300@xxxxxxxxxxxxxxx>
Sent: Friday, May 14, 2004 1:03 PM
Subject: [Chrysler300] Auto insurance


Hi all:

Recently there was some discussion about auto insurance.  I used to have
J.C.Taylor and then Hagerty.  Since I now have almost all of my worldly
goods
insured through the AAA, they required me to get my collector car insurance
from
their designated company to get the maximum discounts.  That company is
American Hobbyist in Stuart, FL.

Out of curiosity, I contacted with them today to review my policy.  They
cover my vehicles anytime I drive them to and from an event, including
stopping
for lodging or for meals.  They also insure each of my vehicles for 7,500
miles
each year and insure them at the agreed upon values which are automatically
increased each year, probably for inflation.  The only time they are not
covered
is if I use them for personal use.  All this and the premium is quite
compatible with the others I've had.

Dan Reitz
Northridge, CA


[Non-text portions of this message have been removed]




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