Classic car insurance typically offers coverage types similar to a personal auto insurance policy:
Liability auto insurance
This coverage pays for damage and injuries you cause to others. It also pays for a legal defense if you are sued because of a car accident you caused. This coverage type is required in most states if you plan to drive your vehicle on public roads.
Collision and comprehensive insurance
Together, these insurance types cover a wide range of problems, such as accident damage to your car, auto theft, vandalism, collisions with animals, fire, flood, hail, falling objects, and riots.
Uninsured motorist coverage
This coverage compensates for your medical fees if someone without insurance smashes into you. Some states require you to get this insurance. It may also cover several areas of automotive damage caused by an uninsured driver.
The following alternative coverage types are frequently available in addition to the standard coverage types for classic automobile insurance, allowing you to customize it to your specific requirements: