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<blockquote data-quote="1995COBRA-R" data-source="post: 8804769" data-attributes="member: 9515"><p>I have five cars insured with Heacock (previously Heacock-Parish). It's a 500,000 liability, UM, and agreed value Comp and Collision with no deductible policy. The annual premium is $612 for all five cars.</p><p></p><p>I raced with Bill Parish in the 1990's. I know Ford Heacock. My agent at Heacock is in the same car club as me. I am not worried about getting a claim paid if it is within the contract terms and conditions.</p><p></p><p>I owned an insurance agency for about 20 years. Most of the companies that I have researched use ISO forms (since they are proven in a court of law). Then, each company has a few small differences (coverage and premium rating).</p><p></p><p>Heacock is a broker. They now use American Modern Home Insurance Company in Cincinnati, Ohio to underwrite the coverage. AMHIC's phone is 1-800-543-2644.</p><p></p><p>I have read my entire policy and understand the limitations. I have also read the other policies. The differences are minor, but a guy needs to pick the policy terms that suits their needs.</p><p></p><p>These are the important terms on my current policy:</p><ul> <li data-xf-list-type="ul">It has to be stored in a secured location (i.g., no parking over night in the driveway). </li> <li data-xf-list-type="ul">The car cannot be used to drive to work ("drive your classic car to work" on Friday is not allowed).</li> <li data-xf-list-type="ul">You cannot leave the car unattended. These means that you cannot go to a mall and leave it in the parking lot for 4 hours while you shop. It does not mean that you can't go to the bathroom when taking it out for a drive.</li> </ul><p></p><p>It's unclear to me about the mileage. I gave them honest mileage use on each car. But I did not read any coverage exclusion on the actual policy for mileage over the limit.</p><p></p><p>Doc</p><p>CLU, ChFC, CPCU, CFA</p></blockquote><p></p>
[QUOTE="1995COBRA-R, post: 8804769, member: 9515"] I have five cars insured with Heacock (previously Heacock-Parish). It's a 500,000 liability, UM, and agreed value Comp and Collision with no deductible policy. The annual premium is $612 for all five cars. I raced with Bill Parish in the 1990's. I know Ford Heacock. My agent at Heacock is in the same car club as me. I am not worried about getting a claim paid if it is within the contract terms and conditions. I owned an insurance agency for about 20 years. Most of the companies that I have researched use ISO forms (since they are proven in a court of law). Then, each company has a few small differences (coverage and premium rating). Heacock is a broker. They now use American Modern Home Insurance Company in Cincinnati, Ohio to underwrite the coverage. AMHIC's phone is 1-800-543-2644. I have read my entire policy and understand the limitations. I have also read the other policies. The differences are minor, but a guy needs to pick the policy terms that suits their needs. These are the important terms on my current policy: [LIST] [*]It has to be stored in a secured location (i.g., no parking over night in the driveway). [*]The car cannot be used to drive to work ("drive your classic car to work" on Friday is not allowed). [*]You cannot leave the car unattended. These means that you cannot go to a mall and leave it in the parking lot for 4 hours while you shop. It does not mean that you can't go to the bathroom when taking it out for a drive. [/LIST] It's unclear to me about the mileage. I gave them honest mileage use on each car. But I did not read any coverage exclusion on the actual policy for mileage over the limit. Doc CLU, ChFC, CPCU, CFA [/QUOTE]
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