If you’re a collector of classic cars, you may be wondering which insurance policy is right for you—especially if you only drive your vehicles seasonally or for shows. Knowing that liability and classic car insurance are two separate types of insurance is crucial before getting behind the wheel. If you’re located in or near Uniontown, OH, and you’re in need of guidance with your classic insurance, Bonvenuto Financial Group, LLC is here to help.
Minimum Liability Insurance in Ohio
Throughout the state of Ohio, minimum liability insurance is required by law for all drivers. It protects:
- Bodily injuries (when others are hurt in an accident involving you)
- Property damage liability (any damage that you cause to another’s vehicle or property)
What is Classic Auto Insurance?
Classic auto insurance is designed specifically for collector vehicles. Cars that are 20-25+ years old, well-maintained, or restored may qualify for classic car insurance. Classic car insurance is also ideal for those who drive their vehicles for a limited time and for those who safely and securely store their vehicles, especially during the off-seasons.
Limited liability insurance isn’t enough for classic cars, as it does not cover damage done to your vehicle and does not cover restorations, custom parts, or upgrades. Combining liability insurance with classic insurance may be your best route for optimal protection.
Knowing what both liability and classic auto insurance protects you from is important for any driver, collector or not. If you’re interested in classic auto insurance but want to protect others from potential damages and injuries when you’re behind the wheel, a combination of both types of insurance may be necessary. For residents and drivers in and around Uniontown, OH, contact Bonvenuto Financial Group, LLC for assistance with finding the insurance policies that are right for your vehicles and lifestyle today.
