Insurance: Where am I going wrong?

[Steve Cassani]

1: What is your driving record like?-One speeding ticket in twelve years.
a: Any tickets in the last 5 years? If so, for what? - One, as above
b: Any accidents in the last 5 years?-None in fifty years
2: Have you been sued in the last 5 years-No
3: Have you even been convicted of drunk driving?-No
4: Have you ever been convicted f vehicular manslaughter?-No

On reading over the replies to my post I have to admit the confusion is mine. Rick and others have helped me to understand how a policy in force affects the coverages available in a requested policy. I could not understand why the classic car insurers demanded a copy of the Declarations page for the policy on the Miata. Now I see the coverages that apply to me distinct from those that apply to the car. That helps.

Mr. Mustang: I sold the Kirkham not six months from acquiring the car. My lower spine is fused in three places. The Kirkham hybrid presents a more skewed driving position than did the original cars and even an original puts a twist in my lower back that becomes intolerable after an hour or so. Once sore even walking for a hour will not allow me to resume driving for more than twenty minutes, at most. Its a sadly diminishing return and not just time in the car. The insurance was adequate for the time I had with the car; the interest that continues has to do with me getting a better understanding of how insurance works. This forum is a good place to go. Thanks!

[mrmustang]

Originally Posted by Steve Cassani

1: What is your driving record like?-One speeding ticket in twelve years.
a: Any tickets in the last 5 years? If so, for what? - One, as above
b: Any accidents in the last 5 years?-None in fifty years
2: Have you been sued in the last 5 years-No
3: Have you even been convicted of drunk driving?-No
4: Have you ever been convicted f vehicular manslaughter?-No

On reading over the replies to my post I have to admit the confusion is mine. Rick and others have helped me to understand how a policy in force affects the coverages available in a requested policy. I could not understand why the classic car insurers demanded a copy of the Declarations page for the policy on the Miata. Now I see the coverages that apply to me distinct from those that apply to the car. That helps.

Mr. Mustang: I sold the Kirkham not six months from acquiring the car. My lower spine is fused in three places. The Kirkham hybrid presents a more skewed driving position than did the original cars and even an original puts a twist in my lower back that becomes intolerable after an hour or so. Once sore even walking for a hour will not allow me to resume driving for more than twenty minutes, at most. Its a sadly diminishing return and not just time in the car. The insurance was adequate for the time I had with the car; the interest that continues has to do with me getting a better understanding of how insurance works. This forum is a good place to go. Thanks!

I was under the impression you were looking for coverage for a car you currently owned. I've assist others with difficult driving or health history in getting insurance for their Cobras in the past and was just trying to assist. Sorry for the confusion.........


Bill S.