All of this discussion about Hagerty Insurance got me to pull out my
policy along with a nice single malt.
There is no mention of non-regular driving to work, parking lots, etc.
Note that this is a Florida policy through Encompass Insurance. Others
may be different.
It requires the auto be in a garage. They also require proof of
insurance on primary vehicles for every driver of legal age (I'll have
to check with them soon since #1 daughter will be getting her license
next month, but she doesn't drive the MG).
J.
"Antique vehicle" means a motor vehicle 25 years or more of age that:
1. Is maintained primarily for use in car club activities,
exhibitions, parades, other functions of public interest or for
a private collection; and
2. Is used only infrequently for other purposes.
K.
"Classic vehicle" means a motor vehicle of unique or rare design and of
limited production that is an object of curiosity and:
1. Is maintained primarily for use in car club activities,
exhibitions, parades, other functions of public interest or for
a private collection; and
2. Is used only infrequently for other purposes.
L.
"Regular use vehicle" means a motor vehicle which is used for regular
driving to work, school, shopping, errands or for general transportation
and is not an "antique vehicle" or "classic vehicle."
REGULAR USE VEHICLE REQUIREMENT
This policy provides coverage for your "antique vehicle" and/or "classic
vehicle" shown in the Declarations. You must own a "regular use vehicle"
which must be insured by a separate insurance policy which must be in
effect for the entire time this policy is in effect. In no event will
this policy serve as your only auto coverage.
So, nothing about parking lots, and the attorney next door says that the
rare day driving to and from work would be defensible. Your attorney may
feel differently. The policy does, however not allow any commercial or
"for payment" use or other times covered by workman's comp which could
mean that you may not be covered driving from one job site to another on
the above rare day.
So the original poster could not use this policy, but there is also no
limitation of 2,500 miles. Regardless of what they tell you, if it is
not in the policy, it cannot be enforced. I believe the discrepancy
occurs because the agent is giving broad examples of acceptable and
non-acceptable use, such as not being the motor vehicle you drive to
work (on a regular basis).
--
Stephen West-Fisher
Coastal Data Systems
727.599.4271
http://www.coastaldatasystems.com/
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