Owning a classic car in San Antonio, TX, can be a lot of fun, especially when you get to show it off at one of your favorite car shows. Of course, car shows do come with certain risks you want to consider, and it’s essential to know how that all interacts with your classic car insurance.
Understanding Classic Car Essentials
Let’s start with an important disclaimer. Every policy is different, so always check what your policy specifically covers. Our representatives at Shavano Insurance Agency LLC are always happy to help with that.
That said, classic car coverage starts with the same basics as any other type of car insurance: liability, collision protection, and theft coverage. Even these are not necessarily included in every policy, but they cover the most common points.
This means while you take your classic car to and from a car show, you’ll have the basic coverage you already selected.
It’s at the show where things get more complicated.
Insuring a car during an event represents a different situation for most insurance companies. While you can get a policy that covers the show as well, it’s not always standard, and that’s a gap you want to be aware of.
Specific Event Coverage
If you want to be sure you have coverage for the show, look for a rider or add-on that covers events. The most common insurance gaps are those for vandalism or damage to your vehicle during an event. You might also want additional liability coverages, since events raise the chances that someone could be injured while interacting with your vehicle.
As long as you have specified event coverage, you’re in a good spot.
If you’d like to review your coverage to ensure you’re covered for events in San Antonio, TX, or anywhere else, we’re here to help. Contact Shavano Insurance Agency LLC to explore your options.
