Understanding Specialty Auto Insurance: What Makes It Different? 

Specialty auto insurance is designed for vehicles that fall outside the coverage capabilities of standard auto policies. Many types of automobiles may require customized financial protection. At Atlas Insurance Group Services, we can help you understand when you may need specialized coverage and how the right policy may better reflect the unique value and usage of these vehicles.

What Vehicles Need Specialty Coverage?

Not every car on the road needs or qualifies for specialty coverage. This type of insurance may be available and appropriate for the following types of automobiles:

• Classic or antique cars, such as those that are at least 25 years old and maintained in good condition

• Exotic or luxury vehicles, including high-value cars that may exceed standard policy limits

• Custom or modified vehicles with aftermarket parts or performance enhancements

• Kit cars and replicas assembled from parts or designed to mimic classic models

• Show cars, including vehicles used primarily for exhibitions and not daily driving

• Motorhomes and RVs, especially those with custom interiors or high-end features

How Does Coverage Differ from Standard Policies?

Specialty auto insurance may offer features that are not typically included in standard auto policies. These can include:

• Agreed value coverage—This means the insurer and owner can agree on the car’s replacement value upfront, which may help avoid depreciation disputes.

• Flexible usage terms—Policies may include stipulations for limited mileage or seasonal use.

• Coverage for spare parts—Some coverage may include financial protection for rare or valuable components, meaning policyholders won’t have to settle for generic parts.

• Higher customization limits—This part of a policy is designed to cover unique modifications.

How to Get Specialty Auto Insurance Near Me

If you own or collect classic, unique or other specialty automobiles in Dallas, TX, the team at Atlas Insurance Group Services is well-positioned to help you find appropriate coverage. Contact us today to learn more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.