Classic Car Insurance Coverage

What is an Antique Auto?

An Antique Auto is generally 25 or more years old and is maintained primarily for use in exhibitions, club activities, parades, and other functions of public interest.

Antique Auto Coverages

In most states, the amount of coverage provided for an Antique Auto is determined using "stated amount" - an amount that you (the policyholder) and The Hartford agree on as the maximum value for the vehicle. In the event of a loss, a claim adjuster will determine the current value of the Antique Auto, which cannot be more than the "stated amount" listed on the policy.

In some states, the Hartford is introducing Antique Auto coverage based on "agreed value." This is the amount of coverage that you and The Hartford agree on as the value for the Antique Auto, based on a recent, certified appraisal. The following coverages are available for Antique Autos (varies by state):

• Bodily Injury Liability
• Property Damage Liability
• Physical Damage (mandatory for antique autos)

You'll find a more detailed explanation of these types of coverage in the Auto Insurance section.

What is a Classic Auto?

Classic autos are generally autos that are 10 or more years old and have a higher than average value. In most states, the amount of coverage provided for Classic Autos is based on the "stated amount" - a maximum amount agreed to by you (as the policyholder) and The Hartford.

Classic Auto Coverages

Coverages available for Classic Autos include (varies by state):

• Bodily Injury Liability
• Property Damage
• Uninsured/Underinsured Motorist
• Medical Payments
• Personal Injury Protection

You'll find a more detailed explanation of these types of coverage in the Auto Insurance section.