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Old 06-19-2007, 08:52 AM   #1
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Vintage Car Liability Insurance

Received this today on the Tin Can Tourists e-mail list. I thought I would also share it with you. This might be of particular interest to the VAC members towing with a vintage vehicle. Perhaps you are already aware of the issue, but if not here is some good advice.

"Forrest, if you could broadcast this, it may affect some or all of us who tow with vintage vehicles.

I have found that several of us that have insurance through antique/collector vehicle policies do not have Liability on the trailers(any trailer, vintage or otherwise) when towed by vintage cars or trucks on those policies. This coverage is specifically excluded whether the trailer is listed on the policy or not. Liability Coverage, Part A of any automobile policy, is very important and is required by most states on the auto or truck. It is automatically included on trailers when towed by autos or trucks on standard(not antique/collector) automobile insurance policies. Two major companies well known for supplying antique/collector car insurance that exclude trailer liability are Foremost through JC Taylor(previously through Zurich or Maryland Casualty) and Haggerty(don't know the carrier). There may be more if this is an industry trend. Please keep in mind that I'm not referring to Physical Damage, Part D, with Agreed Value/Stated Value/Actual Cash Value. This is Liability, and the risk is great if the trailer should breakaway while being towed, even fishtailing into another vehicle causing Bodily Injury to anyone on the road. A lawsuit(s) could easily cause financial ruin.
For those of you with antique/collector insurance using your vehicle to tow your trailer, please check your policy, agent or carrier to verify that the trailer is covered for Liability. Also, if so, please email me with the name of the agent or company, and I will ask Forrest to broadcast the results. Thanks. Hunt Jones('55 GMC, '62 Airstream). hhcjones@att.net"
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Old 06-19-2007, 08:54 AM   #2
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Old 06-19-2007, 10:51 AM   #3
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Important info. Thanks
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Old 06-19-2007, 11:06 AM   #4
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Quote:
Originally Posted by wheel interested
I have found that several of us that have insurance through antique/collector vehicle policies do not have Liability on the trailers(any trailer, vintage or otherwise) when towed by vintage cars or trucks on those policies. This coverage is specifically excluded whether the trailer is listed on the policy or not.
Good to know. I wonder if it is possible to specifically INCLUDE the vintage trailer liability on the policy (for a fee, of course).
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Old 06-19-2007, 11:10 AM   #5
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I just thought with the caravans going to Perry some might be using a tow vehicle they don't normally use even if only the parade.
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