J.C. Taylor - Insuring Your Vehicle

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Insurance Terms

"Antique vehicle" means a motor vehicle twenty-five years
or more of age, that is maintained primarily for use in
exhibitions, club activities, parades or other functions
of public interest; it is not used primarily for the
transportation of persons or goods.

"Classic vehicle" means a motor vehicle of unique or rare
design and of limited production that is an object of
curiosity and maintained primarily for use in exhibitions,
club activities, parades and other functions of public
interest; it is not used primarily for the transportation
of persons or goods.

"Agreed Value Coverage" is a special coverage that is
included in all our specialty policies. Prior to issuing
your policy, we will come to an "agreed value" that will
be included in your policy and will apply to the value we
will use in the event that there is a covered total loss
to your vehicle. This agreed value is the amount you will
receive.

"Garaging Location" This is the location at which you will
store your insured vehicle. All vehicles must be kept
in a locked, fully enclosed garage when not in use.

"Spare parts" means a replacement for an item normally a
part of "your covered auto" that is not currently in place
on "your covered auto." The policy coverage limit is
$250.

"Other than collision" (sometimes called comprehensive
coverage) includes loss to "your covered auto" caused by
missiles, falling objects, fire, theft or larceny,
explosion, earthquake, windstorm, hail, water, flood,
malicious mischief or vandalism, riot or civil commotion,
contact with bird or animal or breakage of glass. If
breakage of glass is caused by a "collision," you may
elect to have it considered a loss caused by "collision."

"Collision" means the upset or collision with another
object of "your covered auto."

Any additional terms for which you need information may be
obtained by contacting Customer Service.