TITLE VS. INSURANCE COVERAGE - CALIFORNIA SPECIFIC

Hello SOC,

So I thought I would go ahead and register my JPS coupe when I had the title transferred, rather than Non-Op it and have to make the dreaded trip back to DMV after the car was sorted. I now have received the Notice of Registration Suspension letter from the DMV due to no Insurance coverage. No problem, I will find some Insurance using the valuable info found on the multitude of posts on the subject. My question is California specific. I have to provide proof of coverage and I am wondering if there is going to be a conflict because the car is registered as a 74' VW and the Insurance policy may say something different, like a kit car or specialty car. I could not find the answer after a great deal of searching. What is your experience? does the policy description usually match the title description?

Thanks in advance!

Brian in Murrieta

Original Post

Brian,

If you're "really worried" as you state, just follow California law and register your car using the SB100 process.  That's how I registered my SAS coupe in 2013.  The process was enacted for replicas like ours.  There is lots of info on this site and on the net.  Best of luck, and please keep the group informed.

CRM posted:

If you have a good insurance agent who uses Hagerty or the like, they will put the description that matches the title on the policy as long as you submit good photos to support agreed value.  This should satisfy CA, etc.

This was the route I went with Grundy. A lot of clear photos of the entire car, VIN matches the VIN on title, and it is insured or a stated/agreed value. They know it is a replica sitting on an old VW pan.

*LongFella posted:
CRM posted:

If you have a good insurance agent who uses Hagerty or the like, they will put the description that matches the title on the policy as long as you submit good photos to support agreed value.  This should satisfy CA, etc.

This was the route I went with Grundy. A lot of clear photos of the entire car, VIN matches the VIN on title, and it is insured or a stated/agreed value. They know it is a replica sitting on an old VW pan.

Just to be clear.   There is a difference between Stated Value and Agreed Value policies.  You DO NOT want a Stated Value policy.  You DO WANT an Agreed Value policy.

Troy Sloan posted:
*LongFella posted:
CRM posted:

If you have a good insurance agent who uses Hagerty or the like, they will put the description that matches the title on the policy as long as you submit good photos to support agreed value.  This should satisfy CA, etc.

This was the route I went with Grundy. A lot of clear photos of the entire car, VIN matches the VIN on title, and it is insured or a stated/agreed value. They know it is a replica sitting on an old VW pan.

Just to be clear.   There is a difference between Stated Value and Agreed Value policies.  You DO NOT want a Stated Value policy.  You DO WANT an Agreed Value policy.

Good clarification, Troy!

Mine is "agreed value" for the Speedster. I just confirmed because I need to add the Coupe build to my policy too.

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