This has to do with the auto hobbyist and liability insurance and it contains a serious question, one that I would really like a reasonable answer to.
I have played with cars and trucks all my life, a very long time now. I pursued this as a kid and then later as a bonding experience with my sons.
In the years before state mandated liability insurance what I am addressing here was not a problem. Today it can be a huge expense for the hobbyist on a limited budget. A major expense that in my opinion could have a very simple solution.
I am the only driver in my household and I have four vehicles, my everyday driver and three works in progress, all of which are registered and insured. Any time that I am driving one vehicle three others are parked. Also, at any given time one or more will not be in operable condition due to some work being done, yet the insurance bill goes on.
I asked my agent if there was some special deal for hobbyists. His answer, “nope.”
I asked if it would be feasible to drop-add vehicles to the policy when they came in and out of service. His answer, “nope.”
In order to get a driver’s license in this state you have insurance or sign a declaration that you do not have a vehicle. My question is this, why can’t state mandated liability auto insurance be made a function of having a driver’s license and then you would be covered for liability no matter what you drive.
I asked my agent and he gave a vague, dismissive response that no insurance company would take on that sort of liability although he couldn’t explain how a vehicle parked on private property might be creating a liability. He did mention the possibility that the vehicle might be operated by an unlicensed, therefore uninsured driver and my comment was that such an occurrence would only result from the vehicle having been stolen, in which case the company wouldn’t honor a claim anyway.
I don’t know how many reading this are in households where there are more vehicles than drivers but there must be some. I feel that this is a serious matter that needs to be discussed and perhaps even acted on via state legislation.
While insuring drivers rather than individual vehicles would not increase the liability exposure to the motoring public, it could result some serious cash savings for a lot of families where dad and/or mom likes to hang over a fender, twisting wrenches .
In my case, the single greatest continuous expense of my hobby is the cost of unused liability insurance.
I would welcome any input on this subject, apart from the form letter I received when I addressed this to my state legislator. His response was, “we are working diligently to see that the insurance industry treats all our citizens in a fair and equitable manner. Thank you for expressing your concerns.”