Continuation CSX a "Kit car"?

[Midwest Classic]

Originally Posted by A-Snake

Robbin,
Can you clarify some of your post?
"When we will insure these..." What cars are you referencing? Any new component car?
"Insure these as an original vehicle as long as they have a 17 digit VIN on them..." Originals do not have 17 digits nor do new component CSX cars?

You get a better rate because you used 'incorrect' terminology on the policy?

I corrected the post to say "we will insure". Production cars produced after 1981 (I think that is the correct year) have 17 digits in the VIN. If the car has 17 digits then we consider it original. We insure original cars as original no matter what year they are from. Early production vehicles will not have 17 digits and we know that. Kits or Replicas also will not have 17 digits so they are not rated as originals.

There is no "incorrect" terminology used to lower a rate.

Robbin
Midwest Classic Insurance
www.cobrareplicainsurance.com
1-888-271-4000

[Power Surge]

I think what Robbin means by "original" car, is that they will insure the car as if it was a production car, and not a home built deal. I don't think he means original as in they'll insure it as a 60s Cobra .

[A-Snake]

Originally Posted by Power Surge

I think what Robbin means by "original" car, is that they will insure the car as if it was a production car, and not a home built deal. I don't think he means original as in they'll insure it as a 60s Cobra .

That doesn't appear to be what he is saying Sal. A "production" car today is defined as having a 17 digit VIN. Component cars do not have 17 digits.

"Kits or Replicas also will not have 17 digits so they are not rated as originals."

[Power Surge]

Originally Posted by A-Snake

That doesn't appear to be what he is saying Sal. A "production" car today is defined as having a 17 digit VIN. Component cars do not have 17 digits.

"Kits or Replicas also will not have 17 digits so they are not rated as originals."

Yeah, that's his point. I think he's saying that as long as your component/kit car has a 17 digit VIN (which means it was state issued), they will insure it as a production car, and not a specialty built vehicle.

In other words, if you come to him with your VIN being ERA999, it's getting insured as a home built car. If the DMV issued that same car a 17 digit VIN, he'll insure it as a production vehicle.

[A-Snake]

Originally Posted by Power Surge

Yeah, that's his point. I think he's saying that as long as your component/kit car has a 17 digit VIN (which means it was state issued), they will insure it as a production car, and not a specialty built vehicle.

In other words, if you come to him with your VIN being ERA999, it's getting insured as a home built car. If the DMV issued that same car a 17 digit VIN, he'll insure it as a production vehicle.

Sal, Is your VIN something other than CSX4241?

[Power Surge]

Originally Posted by A-Snake

Sal, Is your VIN something other than CSX4241?

Nope, that's my VIN. My car is titled as a 1965 Shelby. That's how I got it and that's how I plan to keep it.

Believe me, I'd change it if I could. It should say 1966!!

[A-Snake]

Originally Posted by Power Surge

Nope, that's my VIN. My car is titled as a 1965 Shelby. That's how I got it and that's how I plan to keep it.

Believe me, I'd change it if I could. It should say 1966!!

Sal, Not picking on you but, you're saying you're paying more for insurance because the car wasn't issued a 17 digit VIN by the state while other cars just like yours have 17 digit state VIN's and thus can pay less for inusurance.

I know you're going to say that it's titled as a '65, but the VIN CSX4241 never existed in 1965. It didn't exist until what 2002 or so?

Didn't CS try something like that some years ago?

Now, what did you say the name of the guy on second is?

[A-Snake]

Who's on first?

[Power Surge]

Originally Posted by A-Snake

Who's on first?

Not me, I'm just a bat boy.

[Naumoff]

Originally Posted by Midwest Classic

I corrected the post to say "we will insure". Production cars produced after 1981 (I think that is the correct year) have 17 digits in the VIN. If the car has 17 digits then we consider it original. We insure original cars as original no matter what year they are from. Early production vehicles will not have 17 digits and we know that. Kits or Replicas also will not have 17 digits so they are not rated as originals.

There is no "incorrect" terminology used to lower a rate.

Robbin
Midwest Classic Insurance
www.cobrareplicainsurance.com
1-888-271-4000

This doesn't make sense. What does 17 digits have to do with anything.

If you have a Focus the insurance company can find all the info on the car.
If you have a component car with 17 digits in the VIN # the insurance can find no info on the car.
so you are telling us that they only look at the the 17 digits and don't check the VIN# for ABS, Side inpact bars and air bags for a better rate?

[Midwest Classic]

Tony,

I was told by the underwriter they would insure a car that has 17 digits as a production vehicle and it would get a better rate than the normal replica/kit does. We do not look at air bags and such when rating collectible vehicles, although that trend is also changing. These are collectible vehicles not daily drivers. Daily drivers rates are triggered a lot more by the vehicle and componets it is equipped with.

Robbin

[Naumoff]

Originally Posted by Midwest Classic

Tony,

I was told by the underwriter they would insure a car that has 17 digits as a production vehicle and it would get a better rate than the normal replica/kit does. We do not look at air bags and such when rating collectible vehicles, although that trend is also changing. These are collectible vehicles not daily drivers. Daily drivers rates are triggered a lot more by the vehicle and componets it is equipped with.

Robbin

Thanks Robbin. It is just another screwed up sidebar of this whole thing.

[SP01715]

Originally Posted by Midwest Classic

Kits or Replicas also will not have 17 digits so they are not rated as originals.

My SPF does, it was issued by the California DMV and is attached to the frame. My registration uses this # as the issued VIN# and not the # assigned by SPF.

[Midwest Classic]

SPO1715,

But that number did not come from the Company it was issued by the State of CA under their SB100. That is where the difference lies. SPF normally come with about 4 or 7 if I remember correctly.

Robbin

[SP01715]

Originally Posted by Midwest Classic

SPO1715,

But that number did not come from the Company it was issued by the State of CA under their SB100. That is where the difference lies. SPF normally come with about 4 or 7 if I remember correctly.

Robbin

Correct, but the official VIN is the number issued by the state. This number is on a metal tag and it is riveted on the frame just like a regular VIN plate on any vehicle. The state could care less what the vehicle number is.

[Got the Bug]

SPO1715 wrote: Correct, but the official VIN is the number issued by the state. This number is on a metal tag and it is riveted on the frame just like a regular VIN plate on any vehicle. The state could care less what the vehicle number is.

There's now rhyme or reason in CA though. Some CHP offices assign a new VIN and rivet a plate to the frame, while others use the chassis number assigned by the manufacturer (the latter is common with SPF owners in the South SF Bay area)