If you’re gearing up to showcase your vintage gem at one of Florida’s numerous classic car events, knowing whether your insurance provides comprehensive coverage is crucial. While classic car insurance typically offers robust protection, the specifics around event-related damage aren’t always clear-cut. Tim Huber Insurance, serving St. Augustine, FL, aims to clarify this.
Car Show Coverage Often Depends on the Policy
Classic car insurance usually includes protection for limited use, which may cover car shows, exhibitions, and parades. Many insurers consider these events "pleasure use". However, you’ll want to verify that your policy explicitly mentions car show participation. Some carriers include it as a standard feature, while others require it to be added separately.
Transport Requirements May Apply
Some policies stipulate that your vehicle must be transported to and from the show using a trailer. If your classic car is driven to the event and something happens en route—or at the show itself—you’ll need to know whether driving it was within the limits of your policy’s agreed terms.
What Kind of Damage Is Covered?
If your policy includes coverage for car shows, it generally applies to damages caused by accidents, vandalism, falling objects, or weather-related incidents that occur at the event. If someone leans too hard on your fender or a tent collapses onto your hood, you could be protected if those situations are outlined in your coverage.
Consult Before You Attend
Before attending your next show in St. Augustine or elsewhere in Florida, speak to your agent. Ask about your coverage specifics, including any exclusions or limitations during public events. A quick conversation can save you from confusion or surprise if damage occurs.
With the right policy and a bit of preparation, you can confidently enjoy car shows, knowing your investment is protected. Why not learn more so you have all the details? Contact Tim Huber Insurance serving St. Augustine, FL, today.
