What usually happens with regular insurance with collision is that the company will total the car, and it is up to you to pay to fix it if you choose to. You end up buying the car back from the company because they think it is worth a lot as parts, but then it costs you yourself to restore the car. the drive which caused the collision (both times in our cases) gets away scot free.
Have done that twice, saving two "totaled" but minor damaged Alfas. Basically, collision insurance on these cars gets you nothing. I keep saying that we should drop collision on our car, but the wife says that it is cheap so why drop it. Money wasted I say.
I have a friend who has never had collision on his cars, even his Audi A4, keeping an interest bearing account with money in it for that if needed. His gamble has easily paid off over the decades.
I keep trying to get classic insurance on at least the LS, but I keep running up against the daily driver requirements.
89 Milano (wife's daily driver since 1989, Shankle Sport)
91 164S (my daily driver since 1994)
94 164LS (~Q) (trip Alfa since 2000)
72 Morgan 27 (water time since 1976)
previously owned since 1964:
62 Morris MiniMinor 850, 67 Austin 1275 Cooper S (Downton 3/4 race), 64 Giulia Sprint GT (1st red one made), 72 Fiat 128 Sedan, 75 Alfetta Sedan, 78 Alfetta Sedan, 78 GTV, 81 GTV6, 86 GTV6
Last edited by Del; 03-24-2017 at 07:55 PM.