J.C. Taylor - Insuring Your Vehicle

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Insurance Terms

"Street rod" means a motor vehicle manufactured prior to 1949 whose body, chassis, engine, suspension or interior has been modified and is maintained primarily for use in exhibitions, club activities, parades or other functions of public interest; it is not used for the transportation of persons or goods.

"Customized/modified vehicle" means a motor vehicle manufactured after 1948 which is at least 20 years old, has been altered from its original condition and is maintained primarily for use in exhibitions, club activities, parades or other functions of public interest; it is not used for the transportation of persons or goods.

"Replicar" means a commercially assembled reproduction of any motor vehicle at least 25 years old that is maintained primarily for use in exhibitions, club activities, parades or other functions of public interest; it is not used for the transportation of persons or goods.

"Kit Car" means a motor vehicle at least 25 years old consisting of separately manufactured components that is assembled by the purchaser that is maintained primarily for use in exhibitions, club activities, parades or other Functions or public interest; it is not used for the transportation of persons or goods.

"Exotic vehicle" means a motor vehicle which because of its specific make, model year of manufacture and exceptional physical condition, is considered to be increasing in value rather than depreciating in value and is maintained primarily for use in exhibitions, club activities, parades or other functions of public interest; it is not used 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 are expected to be kept in a locked, fully enclosed garage when not in use.

"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.