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Agreed Vehicle Value Coverage
Insuring your ride for what it’s really worth! Coverage for your vehicle based on a predetermined value that takes into account the vehicle’s rarity, condition, and historical significance.
Zero Deductible Windshield Replacement
If the windshield gets damaged, such as from a rock chip or crack, your OpenRoad Insurance Policy will cover the entire cost of the repair or replacement of the windshield without requiring you to pay a deductible.
Repairs Performed with OEM Parts
In the unfortunate event of an accident, rest assured knowing that we cover repairs with OEM parts, preserving the authenticity and integrity of your automobile.
Tools & Spare Parts Coverage
Our base policy includes up to $1000 in coverage for direct and accidental loss or damage to spare parts as well as $250 in coverage for your car cover or car bra. Just some additional protections for you in the event of damage due to covered events, such as theft, vandalism, or a covered accident.
Repairs Performed at Your Shop of Choice
If you’re the owner of a collector vehicle, chances are you have a repair or restoration shop you trust. If your vehicle sustains covered damage, your OpenRoad policy allows you to hire the shop of your choice to oversee the repairs.
Emergency Roadside Support & Towing
OpenRoad will reimburse you for towing and other labor costs, providing convenient assistance in cases of breakdowns or other emergencies. Unlike many roadside support programs, that require you to wait for providers in their network, we give you the freedom and flexibility to choose the support service with the fastest response time.
Emergency Evacuation Expense Reimbursement
Your OpenRoad policy includes Evacuation Expense Reimbursement Coverage to help with the costs of moving and temporarily storing your covered vehicle during a hurricane or similar events - Up to $1500 per incident and for up to 180 days.
Vehicles Under Construction Coverage
The OpenRoad Insurance "Vehicle Under Construction Endorsement" covers vehicles being built or restored. This endorsement provides extra protection for vehicles under construction, covering their increasing value and offering coverage for automotive tools.
Automatic Coverage For New Purchases
Your OpenRoad policy ensures seamless coverage for newly purchased and qualifying collector vehicles. This covers you for up to $50,000 in value and for 30 days after the purchase.
Fraud Protection
Your OpenRoad policy includes Limited Fraud Coverage, which protects you against fraudulent activities related to your collector car. You're protected if someone tries to sell or steal your car through deceptive means like forgery, false pretense, and even identity theft.
Emergency Lockout
Unlock peace of mind with OpenRoad's Emergency Lockout Coverage. Locked out? No problem! We'll reimburse you up to $150 for locksmith assistance, ensuring you're never left stranded. Drive confidently, knowing that help is just a call away with OpenRoad.
Retained Salvage
Retained Salvage coverage is an optional endorsement with OpenRoad. If after an accident your vehicle is declared a total loss, you get to keep the salvage (the remains of the vehicle). This provides you the opportunity to restore your prized collector vehicle back to its original glory.
Collision Damage Coverage
Collision insurance covers damages resulting from accidents involving other vehicles or objects, ensuring repairs or replacements in cases of such collisions. This is especially valuable for modern collectible vehicles that face greater risks from costly repairs.
Uninsured / Underinsured Motorist
Uninsured & underinsured motorist are types of auto insurance coverage that protect you and your passengers in the event of an accident involving another driver who either has no insurance (uninsured) or doesn't have enough insurance coverage to compensate for your damages (underinsured).
Comprehensive Damage Coverage
Comprehensive insurance covers damage to your vehicle caused by events other than collisions, such as theft, vandalism, natural disasters, or falling objects. This is particularly important for collector vehicles because they are often stored for extended periods of time and are more susceptible to damage from fires, floods, or theft.
Auto Liability
Auto Liability Coverage is like having a safety net if you unintentionally cause damage or injuries to other cars or people while you're on the road. It's a way of ensuring others aren't left hanging out to dry if things go sideways.
Personal Injury
Auto Personal Injury Protection (PIP) coverage can include reimbursement for medical expenses, lost wages, rehabilitation, and essential services. This coverage, including requirements and benefits, vary by state and insurance policy.
Medical Payments
Also known as MedPay, is an additional coverage option for auto insurance policies in most states. This coverage can help pay for medical expenses for you or your passengers in the event of a accident, even if you're at fault.