In Ohio, owning a classic car is about more than getting from point A to point B. People want to admire it, talk about it, and sometimes even drive it. That’s where things get tricky. If a friend, neighbor, or someone you just met at a car show asks for the keys, you need to know whether your insurance coversyou. When you work with Ruddy Insurance Group serving Niles, OH, you can be sure you’re in the right hands.
Who Your Policy Usually Protects
Most classic car policies are designed with a narrow focus. Coverage is built around the owner, and sometimes it extends to family members living in the same household. Beyond that, the door usually closes. Insurers don’t expect these cars to be shared the way a regular sedan or pickup might be, so friends and casual drivers are rarely part of the plan by default.
Why Insurers Draw the Line
Classic car insurance isn’t the same as standard auto insurance. These policies often use an agreed value, meaning you and the insurer decide ahead of time what the car is worth. Because the risk is higher for the insurance company, they want to keep control over who drives. Adding other drivers into the mix increases the chances of a claim, and most insurers in Ohio would rather limit that exposure.
The Risk of Handing Over the Keys
If you let someone outside the policy drive and something happens, you could end up on the hook for repairs or liability costs. Claims can be denied outright. That’s why most agents will tell you to check your policy language before saying yes.
Classic cars attract attention, and it’s tempting to share the experience. Just remember that without clear coverage, one short drive could turn into a costly mistake. To make sure you’re in the clear, contact Ruddy Insurance Group serving Niles, OH.
