Classic car insurance typically offers coverage types similar to a personal auto insurance policy:
Liability auto insurance: This coverage pays for damage and injuries you cause to others. It also pays for a legal defense if you are sued because of a car accident you caused. This coverage type is required in most states if you plan to drive your vehicle on public roads.
Collision and comprehensive insurance:These insurance types cover many problems, such as car accidents, damage to your car, auto theft, vandalism, collisions with animals, fire, flood, hail, falling objects, and riots.
Uninsured motorist coverage: This coverage pays for your medical bills if someone without insurance crashes into you. Some states require you to carry this coverage. In some states, it can also cover car damage caused by an uninsured driver.
In addition to the standard coverage types, classic car insurance typically has some optional coverage types that you can tailor to your needs:
A) Cherished salvage coverage
B) Spare parts and automotive tools coverage
C) Vehicle under construction coverage
D) Automobile coverage