Questions

Can you insure a car with pre-existing damage?

Can you insure a car with pre-existing damage?

It can be a bit of a worry if you want to take out car insurance, but your vehicle has dents, scratches or other pre-existing damage. The good news is that you can still insure a damaged car. However, you may encounter challenges trying to get physical damage protection and be unable to buy comprehensive car insurance.

Can you insure a damaged vehicle?

Insurance companies do not like to insure vehicles with considerable preexisting damage, because it could make the company liable for any new or future damage. Some states require each vehicle to pass a physical inspection prior to the addition of collision and comprehensive coverages.

Do insurance companies insure old cars?

When an older car is insured on a standard insurance policy it will be valued in the standard way. This means that the insurance company treats it as though it is simply an aging car – in other words, nothing special. An antique or classic car is a different matter altogether.

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Can you tell how old damage is on a car?

In most cases, and solely when we refer to hail damage, the quick answer is: No, you can’t tell how old hail damage is on a car.

What is unrelated prior damage?

Related prior damage was already on a part damaged in the accident. Unrelated prior damage existed somewhere on the vehicle but not on a part the damaged in the accident.

Why are older cars more expensive insurance?

Editorial and user-generated content is not provided, reviewed or endorsed by any company. Older cars are cheaper to insure than newer cars, all else being equal. An older vehicle is cheaper to insure mainly because older cars are less valuable, so an insurer won’t have to pay out as much in the event of a total loss.

How old does a car have to be to get classic insurance?

Insurers define a classic car according to how it’s used and kept – generally speaking, it needs to be a combination of most of the following: more than 15 years old, driven less than 5,000 miles a year, kept in mint condition and used as a second car.

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What should you not say to your car insurance adjuster?

Never say that you are sorry or admit any kind of fault. Remember that a claims adjuster is looking for reasons to reduce the liability of an insurance company, and any admission of negligence can seriously compromise a claim.