Guest John W. Harvey Posted July 4, 2006 Share Posted July 4, 2006 Since it is the 4th of July (Have a safe 4th...... please!) and I can't call J.C. Taylor, I thought I would ask for info from the many experts on our forum.Background:As many of you know, Cindy and I own 3 Monte Carlos. As of now, only 2 are AACA eligible due to age. All 3 are insured by J.C. Taylor.Current Situation:My 22 year old daughter April is very serious about purchasing a 87 Monte Carlo SS from a very close friend of mine. I AM familiar with all of the age of vehicle rules with J.C. Taylor. I AM also aware that no one under the age of 25 may drive my vehicles. Thus, I'm assuming that I and my daughter are going to have great difficulty getting classic/antique insurance that will permit her to drive the Monte for cruise/show purposes. This WILL NOT be a daily driver. She has her own daily driver.Question:How does the youth (such as my daughter) get involved in our hobby if they can't get insurance or can't drive any of my insured autos with J.C. Taylor? Maybe I'm missing something here...... any suggestions or help would be appreciated.John <img src="http://forums.aaca.org/images/graemlins/smile.gif" alt="" /> Link to comment Share on other sites More sharing options...
1937hd45 Posted July 4, 2006 Share Posted July 4, 2006 Back in 1960's Dad had the 1931 Model A on the regular car insurance policy and I drove it through high school two years befor any of your cars were built, same deal should work today. Happy 4th of July! <img src="http://forums.aaca.org/images/graemlins/grin.gif" alt="" /> Link to comment Share on other sites More sharing options...
Guest John W. Harvey Posted July 4, 2006 Share Posted July 4, 2006 Maybe I'm missing something..... putting a 1987 Monte SS Show Car on a regular insurance policy doesn't seem like the way to go....... they will only insure at "book value"...... correct?John Link to comment Share on other sites More sharing options...
1937hd45 Posted July 4, 2006 Share Posted July 4, 2006 What do I know last new car I bought was an '86 Ford LDT wagon. <img src="http://forums.aaca.org/images/graemlins/confused.gif" alt="" /> Link to comment Share on other sites More sharing options...
Steve Moskowitz Posted July 4, 2006 Share Posted July 4, 2006 John, it is my <span style="font-weight: bold">understanding</span> that JC Taylor has a way to insure the car as collectible. They do it on a individual basis if they are comfortable with the insured and that the car is truly meant to be collectible and not a daily driver. This is my recollection from a previous conversation with them but I may not have stated this correctly. Link to comment Share on other sites More sharing options...
Guest John W. Harvey Posted July 4, 2006 Share Posted July 4, 2006 Steve,Getting it insured isn't my big problem........... how do you get it insured and let the youth of today drive the car and enjoy the hobby if they are younger than 25 years old?John <img src="http://forums.aaca.org/images/graemlins/confused.gif" alt="" /> Link to comment Share on other sites More sharing options...
novaman Posted July 4, 2006 Share Posted July 4, 2006 I believe what Steve was saying is that they will look at it on an indivdual basis. If they feel comfortable with your daughter driving the car, and that the car is not going to be a daily driver then they might insure it with her being the driver.You might have to send them proof that she owns another car in her name or a copy of her driving record from the DMV. Just give them a call tomorrow. Link to comment Share on other sites More sharing options...
Guest John W. Harvey Posted July 4, 2006 Share Posted July 4, 2006 I plan on calling tomorrow............ we will see!John Link to comment Share on other sites More sharing options...
Guest John W. Harvey Posted July 5, 2006 Share Posted July 5, 2006 Disclaimer: I do truly appreciate all that J.C. Taylor does for the AACA, the local regions, the membership, and the hobby. Ok, here is the scoop..........There really are no limits to the unlimited amount of possible limitations that could limit one's unlimited fleet of Monte Carlos. After discussing all of the possibilities that are possible, but not probable, it is still possible to own a Monte Carlo and all of the endless possibilities that come with ownership. However, one should be aware that the unlimited possibilities could be limited in the possible event that limitless fun is a slight possibility........................Ummmmmmmm, could you put that in writing for me?????????John Link to comment Share on other sites More sharing options...
Guest greg72monte Posted July 5, 2006 Share Posted July 5, 2006 HUH??Is that the response you got? <img src="http://forums.aaca.org/images/graemlins/confused.gif" alt="" /> Link to comment Share on other sites More sharing options...
Stan Kulikowski Posted July 5, 2006 Share Posted July 5, 2006 John,If memory serves me correctly, I had my silver Monte insured through Hagerty before my 25th birthday as a collectible vehicle. As another option, you may be able to get agreed value insurance for April through All State, State Farm, etc.BTW ... Is she considering Harry's car??? Link to comment Share on other sites More sharing options...
1937hd45 Posted July 5, 2006 Share Posted July 5, 2006 Why not join Goodguys and claim its a Street Rod and use their coverage? <img src="http://forums.aaca.org/images/graemlins/confused.gif" alt="" /> Link to comment Share on other sites More sharing options...
Guest John W. Harvey Posted July 5, 2006 Share Posted July 5, 2006 Greg,No, that wasn't the exact response. However, after being put on hold about 5 times so that Mary Ellen could go talk to Paul Jakubowski the underwriter, and Mary Ellen relaying the questions to him and the answers to me............. that is what is sounded like on my end.I did ask to speak with Paul directly......... that did not happen. Now, maybe Paul was very busy at the time.......... but, they should have taken my number and called me back when he had more time to speak with me directly.Yes, it sounds as if they do things "case by case". However, I see none of what I was told in writing. Will the first person on this board that feels very comfortable with any insurance company that states things verbally but it is not included in the written policy please raise their hand.............J.R.Yes, we (April and I) are going to purchase Harry's Monte!John Link to comment Share on other sites More sharing options...
Bhigdog Posted July 6, 2006 Share Posted July 6, 2006 Give Hagerty a call. I've found them to be very reasonable and easy to deal with for some requests I've made, and they've backed it up with a policy. Link to comment Share on other sites More sharing options...
Peter J.Heizmann Posted July 6, 2006 Share Posted July 6, 2006 Folks...I have sent an e-mail to the appropriate personnel to address issues within this thread.Just a reminder: The AACA Forum policy is not to be the venue for disagreements between any buyer/seller/vendor. I feel confident we will receive an explanation shortly. Regards,Peter J... <img src="http://forums.aaca.org/images/graemlins/grin.gif" alt="" /> Link to comment Share on other sites More sharing options...
Guest John W. Harvey Posted July 6, 2006 Share Posted July 6, 2006 Sorry Peter,Not trying to violate any policy..........I'm guessing this thread is now boarderline......... I was/am trying to seek info from our membership on their experiences with all insurance companies and how to involve the youth in our hobby and still have our vehicles insured. In the process, I was trying to update everyone to what I found out yesterday.......... but, I'm still not certain what I found out. LOL...........You can slap my hands in Asheville if you are coming......... if not, see you in Hershey!John <img src="http://forums.aaca.org/images/graemlins/blush.gif" alt="" /> Link to comment Share on other sites More sharing options...
Guest John W. Harvey Posted July 6, 2006 Share Posted July 6, 2006 I just got off of the phone....... Bob Wallace from J.C. Taylor was kind enough to contact me today. Everything is working out well with J.C. Taylor......... Thanks to everyone for your input and for Peter making the contacts.......John Link to comment Share on other sites More sharing options...
JC_Taylor Posted July 6, 2006 Share Posted July 6, 2006 Robert Wallace and Joe Bonner from JC Taylor Underwriting reply: We have contacted Mr. Harvey with respect to his daughter's potential purchase of a classic Monte Carlo SS and discussed the possibility of our insuring the vehicle. A portion of the conversation involved some of the underwriting issues that must invariably be faced in such cases. Fortunately, however, these issues have been satisfactorily addressed and resolved in this case, and we will be able to provide insurance for his daughter should she choose to purchase the vehicle. We are keenly aware of the interest in the hobby among younger folks, and the need to cultivate and support that interest. To that end, we review and discuss each of these "youthful driver" matters individually, as there are many factors that require consideration before a reasonable and equitable underwriting decision can be made. Link to comment Share on other sites More sharing options...
Shop Rat Posted July 6, 2006 Share Posted July 6, 2006 Welcome and thank you for the direct post about young people, insurance, old cars and helping them mesh in this great hobby. There is a whole page on this site dedicated to the young people already interested and those that might become interested. If this great hobby is not only to survive but to thrive we must make them feel welcome. It is nice to know that there is a company willing to weigh each situation on it's own merit and not just give a blanket "no". Two thumbs up for JC Taylor. <img src="http://forums.aaca.org/images/graemlins/smile.gif" alt="" /> Link to comment Share on other sites More sharing options...
Guest John W. Harvey Posted July 6, 2006 Share Posted July 6, 2006 Gosh....... I love a happy ending........ kinda like watching an old Lassie show!John <img src="http://forums.aaca.org/images/graemlins/cool.gif" alt="" /> Link to comment Share on other sites More sharing options...
Shop Rat Posted July 6, 2006 Share Posted July 6, 2006 Yeah me too, and nobody fell down a well. <img src="http://forums.aaca.org/images/graemlins/laugh.gif" alt="" /> Link to comment Share on other sites More sharing options...
Peter J.Heizmann Posted July 6, 2006 Share Posted July 6, 2006 John, I contacted Steve, and in turn, he contacted J.C. Taylor. Thanks are in order to Bob and Steve for answering good questions you had."I am not going to slap any hands until we sell all the Soltice tickets... <img src="http://forums.aaca.org/images/graemlins/laugh.gif" alt="" />"Regards,Peter J. Link to comment Share on other sites More sharing options...
ex98thdrill Posted July 12, 2006 Share Posted July 12, 2006 John, although I am jumping on the wagon late, we have our cars insured through Grundy. Among our cars insured, one of them is a 1987 Mustang GT. Our '87 Mustang was bought new, and it has 12,000 miles on it. Although Grundy didn't want to insure the '87, they were given the choice of insuring everything, or insuring nothing. In our case, they accepted the '87.As long as you have several cars and your daughter has a good driving record, I can't see anyone having an issue with it. Link to comment Share on other sites More sharing options...
Guest John W. Harvey Posted July 12, 2006 Share Posted July 12, 2006 ex98...... you are correct! JC Taylor handled the request based on history and driving records. Problem solved......... thanks.John Link to comment Share on other sites More sharing options...
ex98thdrill Posted July 12, 2006 Share Posted July 12, 2006 Very good!! Now that we're on the subject of insurance, did you get everything cleared up with your car trailer?? Link to comment Share on other sites More sharing options...
Guest John W. Harvey Posted July 12, 2006 Share Posted July 12, 2006 ex 98,Allstate (my company) totalled the damaged trailer. The estimate was about $3500 in parts and $5,000 in labor.........They gave me a very fair settlement and I have purchased a Featherlite Enclosed. The new trailer has a slight V-nose and is 1,000 pounds lighter. I now get an extra 1.25 miles per gallon..... not much, but every little bit helps!Thanks for asking.........John Link to comment Share on other sites More sharing options...
ex98thdrill Posted July 12, 2006 Share Posted July 12, 2006 I'm glad for you John. I felt bad when that happened, but fortunately the car wasn't hurt, and the insurance company didn't try to give you the short end of the stick. As for the V-nose, we bought a used one last year, and after having one, we'll never go without a V-nose. Ours has the ramp that drops down. It's nice because when we get to a meet, we can drop the ramp, roll the Harley out, and use that for getting around town. That way we can leave the car in the trailer, leave the truck hooked to the trailer, and buzz around town with the motorcycle and still get 30+ miles a gallon.It's also nice because we can get on both sides of the car easier and get better light on both sides of the car. Link to comment Share on other sites More sharing options...
Ron Green Posted July 12, 2006 Share Posted July 12, 2006 Quote; "they were given the choice of insuring everything, or insuring nothing."After many many years with J.C. Taylor and zero claims and a perfect driving record they elected not insure my Corvette or Amphicar. Their explanation defies logic so I won't get into that here. I am now a totally satisfied Hagerty customer whose old vehicles can be driven without milage or use restrictions.This post is not intended to degrade Taylor or Grundy, just present the true facts so other hobbyist are informed. Link to comment Share on other sites More sharing options...
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