[DAVID GAGNARD]

Being an insurance auto appraiser and car nut,maybe I can shed some light on this subject.....

I have my 65 Fastback insured thru Condon/Skelly as a classic car.It is thru my local insurance company that insures all my other vehicles and house and other items,they act as an agent for C/S. If I ever have to file a claim (hope that never happens),it will be handled thru my local insurance office where I am insured,by the local adjuster/appraiser (me or the other guy in the office).

Most if not all classic car insurers operate this way.....Most will insure at an "agreed on" price and charge you accordingly....

My Codon/Skelly policy states that the car be used for shows, cruising,parades and only pleasure use....2500 mile limit per year.Exclusions include any kind of "organized" racing or for any kind of comercial use (going to and from work or used in you work)...This is pretty much the industry standard and common on most policys.....

Yes,if you do have Comprehensive Coverage and it is stolen at Wal Mart,than it IS covered up to the agreed value....Collision covers any type of collision,your fault,my fault,nobodys fault.....comprehensive covers pretty much everything else (fire,lighting,windstorm,theft,vandalism,etc.).

On an "agreed on" value,you are charged so much per thousand dollars of value.On my 65 Fastback,they told me they would insure it for $10,000.00 sight unseen,anything more they would require 35mm photos of the car (four corners),the interior,and the enigne compartment,which I supplied with the amount I wished to insure my car for,after seeing the photos,they had no problem with my amount and I have been insured with them since 1995. Just paid my yearly premium last month and after two years I have recieved a 10% discount each year for never filing a claim.... I actually have higher limits than my personal vehicles and still pay approx. 35% of the premium yearly of my lowest personal vehicle.....You can also insure the paint job with some companys,stating an amount if it is ever vandalized or has to be repainted for whatever reason....
Hope this helps

David