A classic car owner’s worst nightmare is going into their garage only to see an empty space where their classic car was the last time they checked on it. Before you face this tragedy, you should work with our team of insurance professionals at Kinowski Agency Inc. in Amsterdam, NY, to ensure that your classic car is protected. Although every classic car insurance policy is different, there are some similarities between policies in terms of what they may cover. For more specialized information, you should discuss your policy with us.

Can Classic Car Insurance Replace a Stolen Car?

When you have classic car insurance, you should know your policy’s terms and limits before you expect it to cover the costs of replacing a stolen vehicle. Usually, a classic car insurance policy has certain limits for how much of a stolen vehicle’s replacement costs it can cover. Suppose you’re unsure about whether your classic car insurance policy could cover replacing a stolen car. In that case, it’s better to ask questions through a phone call or visit our office than make assumptions that can lead to disappointment later.

If your classic car wasn’t covered by classic car insurance, then there’s no way to recover the costs of replacing it through a classic car insurance policy. Even if you purchase classic car insurance minutes after the theft occurs, your new classic car insurance policy won’t be able to reimburse you for any of the costs associated with replacing the stolen vehicle. This is why we always recommend purchasing classic car insurance and other policies sooner rather than later.

For more information on classic car insurance policies and other kinds of insurance, call our office today at Kinowski Agency Inc. in Amsterdam, NY!