Before an Accident

Short answer: Settle what the car’s worth before an accident — with the right policy. A standard book value won’t reflect a $5,000 collectible. Members recommend a collector-friendly insurer that allows an Actual Cash Value (or agreed-value) policy; one member has been happy with Nationwide, which (unlike many collector policies) let him use the car as a daily driver without strict mileage limits or “out of sight” restrictions.

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