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It can be argued that California is the home of the most classic cars based on population Jerome Bettis Steelers Jersey , the weather, and possibly the states income level. The car has always been an icon for California, from the smog to the busy traffic jams during rush hour. There are some simple standards that need to be met by a collector applying for classic car insurance in California.

The age of the car must be over fifteen years old to acquire classic car status. Even if the model is a limited edition or any other type of specialty car, it must be at least 15 years old. The owner must have had his driver's license for at least 10 years Mason Rudolph Youth Jersey , and they MUST have another vehicle being used for daily transportation. Generally, most collector car insurers will only classify a car as a classic if it is valued at $5000 or more.

The classic car MUST be garaged, but then why wouldn't you have a garage for your collector car? The idea here is for security, and to protect the car from the weather. The insured must also have a daily driving vehicle. No insurance company will insure a car if there is not another car for daily commuting. Some insurance companies require another driving vehicle for each driver living in the same household Zach Gentry Youth Jersey , so make sure you check on that. Your daily driving vehicle(s) do not need to be insured by the same company as your classic car (nor would you want it to be). The insured driver must also have had a driver's license for at least 10 years, with a fairly clean record. It doesn't have to be all 10 years in California, but it does need to be a 10 year record.

It pays to shop around specialty classic or specialty car insurers. Not only will you probably find a better rate, but you could save a lot of time and headaches with a specialty insurer. Many classic car owners believe they will have better rates and service through their current car insurer Benny Snell Jr. Youth Jersey , but that is not the case. Many insurance policies drawn from the typical car insurer can be more restrictive, and more expensive. Not only that, but your car may not be fully protected since many typical insurers only use the "Stated Value" policy, leaving your car at risk. You only want the "Agreed Value" policy for your classic car. This is a value you and the insurance company agree on for your car Justin Layne Youth Jersey , and it will not change. The "Stated Policy" will be the agreed value minus the depreciation value, which could be very steep for older cars. In a total loss accident, you could be out a lot of money with a 'Stated Value" policy.

Getting insurance on anything can be a pain, and securing classic car insurance through a specialty insurer could save you a lot of time and stress. These insurers only deal with classic and specialty cars Diontae Johnson Youth Jersey , so they know how to properly value the car. If the car is especially valuable or collectible, you may need an appraisal, and these insurers can help you through that process as well. If you are in the restoration process and the car is not drivable, you can get discounted rates through specialty insurers also. Typical insurers do not always offer this service.

After you have purchased your dream car or restored your old high school muscle car Devin Bush Youth Jersey , the last thing you want to do is have the wrong insurance or have it under insured. I hope this article saves a California resident some time and money, or from losing your dream car in the unfortunate case of a total loss accident.
We are not designed for long term stress.


It causes us physical damage.


Coping mechanisms disguise the problem, they do not solve it.


If you broke a leg would you develop a coping strategy to continue to live with the broken leg, or would you get the leg repaired.


Stress


A good day can sometimes be characterised by an event that occurred. An order that was won or a singular success that has put everyone on a high.


But life is not about singular successes.


We don't get married because there was one singular event that turned into love James Conner Youth Jersey , we don't support our football team because of one goal that they scored.


The quality of our lives, the way we feel about ourselves is about an ongoing repeated series of small events.


If these events are positive then we will feel good.


If the sum of these events is negative then we start to feel bad.


The human body is a remarkable thing that is designed in all circumstances to protect itself.


When we become stressed the body has an automatic reaction to defend itself.


The reason is that the part of the brain that deals with logical thought shuts down. This allows all of the processing power to concentrate on one of two very simple operations.


Fight or Flight.


If this processing power computes that your chances of survival are better if you stayed put then your brain will decide to fight and prepare your body accordingly. If on the other hand your brain's assessment of the danger is such that your chances of survival are best if you run away, your brain will get revved up, point the body in the right direction and will concentrate all its power on making the flight successful.


This fight or flight reaction is necessarily of a short duration.


This is the emergency response during which short term damage to the body is accepted in exchange for the alternative which is non survival.


In fight or flight mode the body switches off the normal routine maintenance functions and is concentrating on pure survival.


Unfortunately our modern lives are not quite that simple.


Our day has become full of situations that cause us stress but for which we are not allowed either of our two natural responses.


If we are at work and the boss shouts at us for failing to reach a quota or for misplacing last months invoices JuJu Smith-Schuster Youth Jersey , we are not allowed to run or fight.


Instead we are obliged to stand and listen until such time as the boss runs out of rhetoric or forgets why he started shouting in the first place.


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