insurance

What are the Requirements for your Car to be a Classic for Classic Car Insurance?

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When you’re passionate about your vehicle, protecting it with the right insurance makes all the difference. Premier Insurance Agency in Detroit, MI, understands that classic car insurance isn’t one-size-fits-all. It’s designed for vehicles that are special, valuable, and treated with care. However, before you can get the coverage, your car must meet a few key requirements.

Age and Historical Value

The most common starting point is age. A vehicle is typically considered a classic if it’s at least 20 to 25 years old. That said, some exceptions exist. Cars that are rare, collectible, or have historical significance might qualify even if they’re slightly newer. It’s not just about how long the vehicle has been around, but how well it represents a certain era or style.

Condition and Use

Your vehicle should be in good condition or actively being restored. Classic car insurance is not meant for your daily driver. Most insurers want to see that the car is used only occasionally, whether it’s for weekend drives, shows, or special events. You’ll also need to have a regular-use vehicle for everyday driving.

Storage Requirements

To qualify, your car must be stored in a safe, enclosed space like a garage or storage unit. This lowers the risk of damage and theft, and it shows insurers that you’re serious about protecting your investment in your classic automobile.

Get the Right Coverage

If you think your vehicle may qualify, reach out to Premier Insurance Agency in Detroit, MI. Their team can help you understand the requirements and get the right insurance policy for your classic car.

Recreational Insurance Coverage That Protects Against Catastrophic Events

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Do you use your recreational equipment regularly during certain times of the year? A catastrophic event could unexpectedly damage your equipment. Review the scenarios below, and ensure you have adequate recreational insurance coverage to protect your investments.

Exposed Parking and Storage

If you store your recreational equipment in a parking lot or storage area exposed to the elements, it may sustain damage from high winds, rain, or other weather conditions. Recreational insurance can provide coverage for damage to your equipment, mechanical issues, and lost parts, ensuring your equipment is protected even in challenging conditions.

Accidents

Accidents can occur during catastrophic weather events. For example, if visibility is severely reduced while operating recreational equipment, such as an ATV, you could crash or damage your equipment. Collision coverage is designed to protect your equipment from body damage and mechanical failures while it is actively being used.

Unintentional Damage

Unintentional damage to another person’s vehicle or property can happen, especially during a catastrophic event when risks are elevated. If you are held liable for the damage, liability insurance can cover the costs associated with repairs or replacements resulting from the incident.

For Advice From an Insurance Agency in Detroit

It’s essential to secure sufficient recreational insurance coverage before using your equipment. Start by preparing a list of the recreational items you own, including their model numbers and descriptions. This will help ensure all your equipment is adequately insured.

Contact one of our Premier Insurance Agency representatives for personalized guidance. Our agents will assist you in preparing your new insurance documents during your consultation, so you can enjoy peace of mind while using your recreational equipment.

Riding Your Motorcycle in the Rain: Is It Safe?

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While it’s not illegal to ride your motorcycle in the rain, it’s crucial to take precautions to ensure your safety. This article will discuss what you need to know before venturing out on your bike when rain is expected.

Recognizing the Risks

Riding a motorcycle in the rain is feasible, but it comes with significant risks that you should consider. Traction is diminished on wet roads, extending your stopping distance and making it easier for you to lose control of your bike. Your visibility, as well as that of others on the road, can also be affected.

Be Prepared

Having the right gear before heading out into the rain is essential. Ensure you’re equipped with a waterproof jacket, pants, gloves, and boots to stay dry. Your helmet should have a full-face mask and an anti-fog visor. Double-check that your tires are fully inflated and that your brakes are in good condition.

Modify Your Riding Style

When riding in wet conditions, it’s important to brake and turn slowly. Apply both brakes gently and start slowing your bike early to prevent skidding. Stick to the speed limit or go slower, and be cautious of slippery surfaces like road paint, manhole covers, and metal grates, especially when turning.

Visit Premier Insurance Agency in Detroit For All Your Insurance Needs

At Premier Insurance Agency, we’re committed to keeping Detroit, MI, safe. Whether you’re looking for a motorcycle insurance policy or a different form of coverage, we’re here to help you feel confident that you’re protected. Visit our office today or give us a call to learn more.