[klayfish]

Howard,
What actual cash value means is that the insurance company will determine what the cars' value is at the time it was totalled. For "normal" cars, they use things like NADA or other books, or more often, they have companies that do it for them (they look at local newspaper ads, etc...to get a fair market value price). With a specialty car, it is harder to do, because there aren't many of them out there. If something happens to your car, you will have to demonstrate to them very well the value of your car. The upside is, as you pointed out, unlimited use and mileage.

Steve