DeTomaso Mailing List: October 99, Message #217

To all who have requested information on insurance for "modified" autos,
I have finally recieved what I requested.

Company is J. C. Taylor

Modified Automobile Guidelines: (taken directly from forms sent to me)

The vehicle is to be used mainly for exhibitions, club activities,
parades and other functions of public interes. An occasional nice day
drive to keep the vehicle in running condition is acceptable.  However,
if the vehicle is used as a regular car in the household, for errands,
vacations or going to work, please do not submit this type of risk.

Vehicle Definitions:
1) Street Rod:  A vehicle manufactured prior to 1949 whose body, chassis,
engine, suspension or interior has been modified.
2) Customized/Modified: A vehicle manufactured after 1948 which is at
least 20 years old and has been altered from it's original condition.
3) Replicar: A commercially assembled reproduction of any motor vehicle
at least 25 years old.
4) Kit Car: A motor vehicle at least 25 years old consisting of
separately manufactured components that are assembled by the purchaser.
5) Exotic Vehicle: A motor vehicle which, because of it's specific make,
model year of manufacture and excptional physical condition, is
considered to be increasing in value rather than depreciating. 

All vehicles must be kept in a locked, fully enclosed garage whenever the
vehicle is not in use.
Any vehicle valued at $20,000 or greater must be accompanied by a bill of
sale or an appraisal before coverage can be bound.
There is a limit of 3500 miles per year used as an underwriting guide for
rating purposes.  The company will entertain requests for increased
mileage per year. 
The insured and all licensed drivers in the household must have a regular
automobile available for their individual use. 
Vehicle operators must be 25 years old or older with no more than one
moving violation and one at fault accident within the last three years.
Racing is specifically excluded from coverage.
This policy is based on "Agreed Value.  The policy will be issued on an
amount that both you and the company agree on.  In the event of a total
loss, you will recoup the full value of your vehicle as shown on the
declarations page of your policy.

I did a quote on a $25,000 car and it came out like this:
$300,000 liability; $1,000 med pay; $300,000 uninsured motorist/Bodily
injury; with a $250 deductable for both comp and collision.  The quote
ran $512 per year. 

Keep in mind that this is a totally different program that the Antique
and Classic Insurance program that is also underwritten by J.C. Taylor.  

If you have any questions regarding this program please let me know.

Sorry for so long of an explanation.....


Sharon "Gooselady" May
8MA730
"Go Fast, Look Good"

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