Below is an excerpt from my email with Diane at Heacock Classic Insurance. I assumed that according to the VIN Number the vehicle would be registered as a Motorcycle. Am I wrong?
Ken,
I’m checking with American Modern to confirm this information, but if this one will have to be registered as a 2016 Motorcycle, I’m afraid I won’t actually be able to help with coverage. The other Morgan 3-Wheelers I’ve added have been registered as autos rather than motorcycles, but those were also in states other than CA.
Because this is a classic policy, I can only insure motorcycles that are 20 years old or older as a stand-alone policy. *IF* the state will allow it to be registered as a vehicle, I can help. Or, alternatively, on the off chance they would allow it to be registered as an older year – say, as the year the original Morgan 3-Wheelers were originally produced, then I could also help. The problems lies with a 2016 MC in California.
