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!