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I have four cars. The younger being 2008, the elder being 1987. Two are legally titled in Virginia as 'antique.' I have been thru the 'insurance claim' hurdle several times. I have found that as long as one can show maintenance, upkeep, repairs, replacements expenses, the accident/theft damages are covered up to your policy limits ... the point being that ... if my 1987 Jeep were damaged/stolen ... the 'value' is not necessarily "blue-book' .. but is what you can successfully argue as 'blue-book-plus-the-added-value-of-such-upkeep.' Yes, it depends upon your persuasive abilities ....
 
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