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Recognizing the Red Flags of Classic Car Insurance Scams

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Scams have quickly gone from obvious to sophisticated. Scammers are using authentic photos and videos to trick you into buying a coveted vehicle. They may email you or contact you through social media. They lure you to a phishing website or payment page. When you fulfill your end, you never hear from them again. Tracking the scammer down is a dead end. Meanwhile, your funds end up in an offshore account. The team at Bartal Insurance, serving Scranton, PA, wants to help keep you safe from scams like this.

What Are Some Classic Car Insurance Scams?

Falsifying auto theft is spreading across classic car insurance agencies now. Those scams hurt legitimate policyholder claims and affect premiums. Exaggerated damage, auto repair, and ghost broker scams are also prevalent. Additionally, email and social media scams are preying on fear, sadness, anger, or other emotions to convince Scranton, PA residents to take action without thinking things through.

Other classic car scams involve buying a car sight unseen and purchasing vehicles through phishing websites. Those sites mimic trusted websites, but they have fishy information or noticeable grammatical errors. Unintentional insurance fraud occurs when your insurance agent tells you to ignore a discrepancy in your application or policy. Always review your policy for errors and correct them. Staged car accidents involve drivers causing accidents on purpose for insurance money, and roping in innocent drivers.

Scammers never take a break from defrauding everyday people, but Bartal Insurance won’t rest, either. We constantly monitor your insurance and block scammers from using your information for profit. We encourage you to be aware and stay safe online to keep these criminals from accessing your information. Contact us for more information about classic car insurance scams and fraud. We’re currently serving Scranton, PA.

Specialized Coverage Offered by Classic Car Insurance

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If you’re a proud owner of a restored vehicle in Scranton, PA, and occasionally showcase it at exhibitions, standard auto insurance may not offer adequate protection for your prized possession. Classic car insurance provides several benefits that offer more extensive protection for your collectible vehicle. It’s typically less expensive than standard auto insurance. Bartal Insurance is here to help you understand why this policy is essential for your unique vehicle.

Who Requires Classic Car Insurance?

Classic car insurance policies are suitable for individuals who restore vehicles, own a hot rod, or possess a highly customized, luxury, or exotic vehicle. Classic cars are sometimes referred to as vintage or antique vehicles. While there’s no strict definition of a classic car, many insurance companies consider vehicles aged 25 to 30 years old as classics. However, if you own a special vehicle that you use primarily for exhibitions and believe it has features worth preserving, you could qualify for one of these policies.

How Classic Car Insurance Stands Out

The most significant difference with this policy type is that you can agree on a value for the vehicle if it sustains substantial damage or is totaled. This is because many cars of this type increase in value through restoration or additional special features added after the initial purchase. The agreed-upon value takes into account the current market value, vehicle condition, improvements, and the cost of special-order and replacement parts.

Other benefits include:

  • Reduced premiums in exchange for low-mileage use
  • Protection when stored
  • Special endorsement when restoring an undrivable car
  • Coverage for damage at car shows

You can still drive your classic car on the road if you don’t use it as your everyday vehicle.

Contact Bartal Insurance today to learn more about securing a classic car insurance policy in Scranton, PA. We’ll be happy to schedule an appointment.