Sad day, lost another beautiful cuda.

[440ehigh]

Yea you have to pay extra but probably worth it depending how attached you are to the car. I didn't think it was much

[Katfish]

For me, my car is not anything rare or valuable based on the VIN, I guess I'd need to figure out what some of the rare parts might be worth if the car was totaled.
Only reason I'd try and keep my car, after a wreck that would require more expense than insurance paid, would be to try and recoup additional money selling the rare parts.

So as an example, assume the Dana & gauges survived, they might be worth $2500?
So is it worth paying an additional $100, or whatever it might be, every year?

[ebodyproducts]

I have Farm Bureau and they let me have the car valued by an estimator.  If anything happens, it will be fully ensured for that amount.

[1970 cuda Joe]

I would suggest to anybody who has non specialty car insurance to run a scenario by their insurance agent. Years ago, I had my cars with Allstate. My agent was in town, so I ask him what would happen if something happened with one of my cars. He said the cars depreciate every year. He further went on to say that because I have all my receipts, that would help to determine the value before the incident. Don't get yourself in one of those problems. Good luck, Joe

[JH27N0B]

I had my vintage cars with State Farm for a time, they have classic car insurance available.
The issue that concerned me was that they had stated value whereas the specialty companies have agreed value.  With agreed value, if your car gets totaled you get paid that value (minus the deductible) for that amount. With stated, you might have the car insured for a value, but if totaled the adjuster can come back and dispute the value and try to settle for less.  Say you had your car insured at $75K, they might come back and say they did some research and looked at recent auction sales of similar cars, and decided they should only settle with you for $65K.
I'm not comfortable with that.
State Farm has since partnered up with Hagerty to manage their classic car coverage so things might well be different now.  But when comparing insurance for classic cars, that is something to consider.

[HP2]

Thanks everyone. This has been a good primer for when I get my car back on the road and definitely gives me some things to ask about when it comes time to insure.  I didn't want all the restrictions that had traditionally come with collectors' insurance, but didn't want to the risk of losing value or reimbursement that could come standard coverage.

My cars have never been pedigreed specialty cars, but on the other hand, they have been cool, old cars that most people seem to appreciate and I'm not afraid to drive. While they aren't worth a fortune, if I was in an accident, I'd hate to have to give them away for a low total value or not be able to get it fixed or returned to me to be scrounged for parts.

[Snowdog]

Here's some more pics of that Cuda (I think) from the October car show at the Howell, MI airport, a few years back and in better condition.

[Spikedog08]

No fender tag in that picture either . . Wonder who has it.  I'm gonna ask around . .

[Katfish]

So what's the guess on value?
Let's say $100k from that last pic.
Any idea what he had it insured for?

[JMB711]

OUCH! This looks like a job for graveyard cars.