TITLE VS. INSURANCE COVERAGE - CALIFORNIA SPECIFIC

In my experience what matters is that the VIN numbers need to match.

I was worried about an astute clerk yelling foul if they did not match. Really nervous in general about the State performing a dragnet on our replicas.

Brian,

If you're "really worried" as you state, just follow California law and register your car using the SB100 process.  That's how I registered my SAS coupe in 2013.  The process was enacted for replicas like ours.  There is lots of info on this site and on the net.  Best of luck, and please keep the group informed.

Thanks Jim, I will look into that.

Brian

Insure the car for agreed value.  They ask for a vin. They insure the car for the vin.

If you have a good insurance agent who uses Hagerty or the like, they will put the description that matches the title on the policy as long as you submit good photos to support agreed value.  This should satisfy CA, etc.

CRM posted:

If you have a good insurance agent who uses Hagerty or the like, they will put the description that matches the title on the policy as long as you submit good photos to support agreed value.  This should satisfy CA, etc.

This was the route I went with Grundy. A lot of clear photos of the entire car, VIN matches the VIN on title, and it is insured or a stated/agreed value. They know it is a replica sitting on an old VW pan.

*LongFella posted:

CRM posted:

If you have a good insurance agent who uses Hagerty or the like, they will put the description that matches the title on the policy as long as you submit good photos to support agreed value.  This should satisfy CA, etc.

This was the route I went with Grundy. A lot of clear photos of the entire car, VIN matches the VIN on title, and it is insured or a stated/agreed value. They know it is a replica sitting on an old VW pan.

Just to be clear.   There is a difference between Stated Value and Agreed Value policies.  You DO NOT want a Stated Value policy.  You DO WANT an Agreed Value policy.

AAA has traditional coverage at a great price. A lot of the collector insurance companies have limits on the car that are ridiculous.

Troy Sloan posted:

*LongFella posted:

CRM posted:

If you have a good insurance agent who uses Hagerty or the like, they will put the description that matches the title on the policy as long as you submit good photos to support agreed value.  This should satisfy CA, etc.

This was the route I went with Grundy. A lot of clear photos of the entire car, VIN matches the VIN on title, and it is insured or a stated/agreed value. They know it is a replica sitting on an old VW pan.

Just to be clear.   There is a difference between Stated Value and Agreed Value policies.  You DO NOT want a Stated Value policy.  You DO WANT an Agreed Value policy.

Good clarification, Troy!

Mine is "agreed value" for the Speedster. I just confirmed because I need to add the Coupe build to my policy too.