Antique cars turn heads on the road, but when they are involved in an accident, they can also raise serious legal and insurance questions. Whether you are an antique car owner or were hit by one, it is important to understand how these accidents differ from crashes involving modern vehicles. From valuation disputes to the lack of safety features, an antique car crash in Fort Myers can quickly become complicated. This article explains what to expect and how a Fort Myers car accident lawyer can help protect your rights and your investment.
What Qualifies as an Antique Car in Florida?
In Florida, a car is typically considered antique if it is more than 30 years old and maintained in its original or restored condition. These vehicles are often used for exhibitions, club activities, and parades rather than daily driving.
Key Characteristics of Antique Cars:
- Must be 30 years old or older
- May be registered under a special “antique” tag
- Usually insured through specialty policies
- Often driven infrequently or for special events only
Knowing whether a car qualifies as an antique helps determine how the vehicle should be insured and handled in the event of a crash.
Common Causes of Antique Car Crashes
Antique vehicles, though beautifully restored, can pose a higher risk in traffic due to outdated technology and materials. Even careful drivers may face challenges on today’s fast-paced roads.
Contributing Factors:
- Lack of power steering or modern braking systems
- No airbags or side-impact protection
- Limited acceleration or maneuverability
- Mechanical failures due to aging parts
- Distracted or aggressive modern drivers are unfamiliar with antique vehicle limitations
These factors can contribute to rear-end collisions, intersection crashes, or sideswipes, even during short drives.
Insurance Challenges in Antique Car Crashes
Unlike standard auto policies, antique or classic car insurance often covers the vehicle based on an “agreed value,” which is a pre-determined amount established between the insurer and owner.
Key Insurance Considerations:
- Is the vehicle being used within policy limits?
- Does the agreed value reflect recent restoration work?
- Are rare parts and labor included in repair coverage?
- Is liability coverage adequate for injuries or property damage?
An insurer may dispute a payout if the vehicle was being driven for unauthorized purposes or if the coverage is outdated. A Fort Myers personal injury lawyer can help resolve these issues and make sure your claim is fairly assessed.
Legal Steps After an Antique Car Accident
Whether you were driving an antique car or were injured by one, you should take the same basic steps you would in any accident, but with added attention to documentation and valuation.
What to Do Next:
- Call law enforcement and get a police report
- Photograph the vehicle, especially custom or rare parts
- Get contact information from all parties and witnesses
- Seek medical attention for any injuries
- Notify your insurance company and document all communication
- Consult a Fort Myers car accident lawyer to understand your rights
If the crash involves significant damage or injury, having a legal advocate ensures that liability and insurance are properly evaluated.
Protect Your Rights After an Antique Car Crash
At the Law Offices of Wolf & Pravato, we understand that antique car crashes involve more than just a damaged vehicle. From restoration investments to unique insurance policies, these cases require careful handling. Our legal team has recovered millions for Florida drivers, including a $3.85 million verdict in a car crash case. If you were involved in an antique car accident, let us guide you through the process and fight for the compensation you deserve. Contact us for a free consultation. You pay nothing unless we win. Call us now at (954) 633-8270.
Frequently Asked Questions
What qualifies a car as “antique” in Florida?
A vehicle that is at least 30 years old and maintained in its original or restored condition qualifies as an antique in Florida.
Are antique cars required to have modern safety features?
No. Most antique cars are not required to have airbags, electronic stability control, or other modern safety systems.
Can I file an injury claim if I was hurt in an antique car crash?
Yes. Injury claims can be filed regardless of the type of vehicle involved if another party was at fault.
How are antique cars valued after a crash?
They are usually valued based on an agreed value policy, which must reflect the car’s current condition and restoration level.
Do I need a lawyer after an antique car accident?
Yes. A Fort Myers personal injury lawyer can help address insurance disputes, determine liability, and secure fair compensation.
