All cars should have protection, especially when they're as valuable as the Batmobile. There are risks of all kinds that need protecting, and here's what an independent insurance agent would keep in mind when trying to find the right coverage for the Batmobile, among other valuable automobiles.
How Do You Insure the Batmobile?
The Batmobile is an iconic auto legend. Since the 1940s, the Batmobile has continuously been revised. The unique lines and make of the Batmobile are one of a kind. It got its start with nothing too spectacular and then later evolved into a variety of styles that have left audiences wanting more.
The first batmobile wasn't much different from Bruce Wayne's everyday car except one was a convertible, and one was not. Then, as the Batmobile became more and more popular, the makers tried to entice fans with crime-fighting gadgets like smoke and tear gas.
Coverages for the Batmobile are not unlike some of your more known high-valued cars like the Audi R8 or Ferarri. These dream cars are worth a lot, and while they don't have tear gas dispensers or ejection seats, they need coverage that will replace their unique features.
Some fancy car coverages may include:
- Property damage: This is the biggest one and the most tailored. It will cover the replacement cost of the vehicle. That means those genuine buffalo leathered seats or that dual monitor work desk in the back need coverage that will extend to some serious features.
- Liability: Every auto policy, including Batman's, needs liability insurance. This protects a car owner when they get into an accident and are at fault. If you're found to be the one who caused a four-car pileup, then your liability insurance will be on the hook.
- Uninsured and Underinsured Motorists: Any Batmobile will need this coverage. Likely, another road warrior will not have enough coverage to insure your costly automobile. If they don't have any insurance or not enough, that is when your own policy would pick up the rest to make sure you have your Batmobile up and running in no time.
Important Property Coverage for the Batmobile, or Your Sedan
The Batmobile would have some different features that you're not going to find you everyday minivan. This car uses 44" Super Swamper TSL Tires and has once utilized a jet engine on its back, with propane tanks for fuel. This is not your typical car and, in all honesty, probably isn't too insurable because of these features.
But your Ferrari is insurable, and it will have to account for its pricey carbon fiber accents and gauges galore. With a Ferrari 488 Spider running close to the $400,000, the cost to replace this piece of property would run you high, but it can be done.
Essential Liability Coverage for the Batmobile
When you are a crime-fighting superhero, you've don't have time to think about what could go wrong. And while you may not be Batman, you certainly need proper liability insurance on your high-valued auto policy.
You likely didn't get your fancy car for its economic features, and neither did Batman. So with every car enthusiast's dream of fast speeds and high performance comes the risk of injuring someone else on the road.
An injury can lead to medical bills and death. Your independent insurance agent can get the coverage your car needs so you can avoid a personal lawsuit that might put you out of commission for a long time.
Car Insurance Needs for Valuable Autos
If you have an expensive car that may only see the light of day in the summer months, then you know how special it is to you. To have the proper insurance, you will need to go with a carrier that understands how to insure high-end vehicles.
There are a select few insurance companies that most independent insurance agents work with who can hold their own when it comes to protecting expensive cars. While they may not have insured the Batmobile, they have come close.
How Much Would it Cost to Insure the Batmobile?
The Batmobile has been estimated to cost $214,700, with the most expensive Batmobile to be the 2004 comic book version rolling in at an astounding $1.8 million. That's a pretty expensive car, and the amount to replace or repair will be higher too.
While you may not own the Batmobile, an Audi R8 will run you in the $200,000s. It's best to have insurance that will match. Value is not the only factor determining the price. Some others are as follows:
- Driving history: If Batman has any speeding tickets or run-ins with local law enforcement, his Motor Vehicle Reports or MVRS will show it. These MVRS will affect your premiums the most. The safer you are, the better they'll be.
- Credit score: Each person has a credit score, and with that insurance, companies run what's called an insurance score. That insurance score is a soft pull and won't negatively affect your credit. It will give the carriers a good idea of how you pay your bills, and that will cause an increase or decrease in premium.
- The number of cars: If you are like Batman, you have a daytime car and a nighttime car. The more vehicles you have, the bigger the discount you will get per vehicle. That is why if you remove an auto, the premium doesn't go down as much as you may think. It's because you are also losing a multi-vehicle discount when you delete a vehicle.
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TrustedChoice.com Article | Reviewed by Candace Jenkins
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