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A few basic requirements must be met.
To qualify for the Modified Auto Insurance Program, vehicles must be:
- Valued at $3,000 or more.
- In good, clean condition.
- Be kept in a fully enclosed, locked garage.
- Be used primarily as hobby vehicles: used in exhibitions, club activities, parades, or other functions of public interest. An occasional nice day drive to keep the vehicle in running order is perfectly acceptable.
- We do NOT impose a mileage limit on our Modified Auto policy. However, we use 3500 miles/year as a reasonable underwriting guideline.
Applicants and operators listed/insured on the policy must:
- Be at least 25 years of age.
- Have a good driving record with no more than one moving violation and one at fault accident within the last three years.
- Provide with their application:
- At least four clear, color photos of the vehicle:
- Front corner view.
- Rear angle view.
- Engine compartment.
- Interior (taken from outside vehicle with door open).
- Appraisal or bill of sale for vehicles valued in excess of $40,000 or if the perceived value exceeds current market prices.
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Some examples include: Street Rods, Customs, Modifieds, Replicas, Kit Cars, Hot Rods, Exotics, Rare Vehicles & Resto-rods.
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