{"id":369084,"date":"2010-09-23T07:00:57","date_gmt":"2010-09-23T11:00:57","guid":{"rendered":"https:\/\/sportscardigest.com\/?p=28576"},"modified":"2024-01-18T10:36:12","modified_gmt":"2024-01-18T10:36:12","slug":"mechanical-malfunctions-and-misadventures","status":"publish","type":"post","link":"https:\/\/www.supercars.net\/blog\/mechanical-malfunctions-and-misadventures\/","title":{"rendered":"Mechanical Malfunctions and Misadventures – Insurance Advice"},"content":{"rendered":"

By Bill Crowley, Chubb & Son<\/p>\n

\"\"<\/a>
Mark Colbert’s 1962 Ferrari 250 GT Lusso Competizione.<\/figcaption><\/figure>\n

While insurance does not cover a prized vehicle\u2019s sudden or gradual mechanical breakdown, it does address a mechanical failure that causes or results in a collision. Such claims tend to fall into three categories\u2014breakdowns in the car\u2019s braking, steering or suspension systems.<\/p>\n

Face it\u2014older cars have older mechanical and braking systems. Chubb recently received a claim for a 1950s-era Mercedes-Benz that hit a tree outside the owner\u2019s driveway after the hydraulic brakes failed.<\/p>\n

It wasn\u2019t until 1968 that automobiles were required by law to have dual master cylinders so if the front tires\u2019 hydraulic brakes failed, the rear brakes (and vice versa) wouldn\u2019t. With older braking systems, if a single hydraulic braking line was punctured, the brake pedal hit the metal\u2014in a bad way. Chubb has also confronted collision claims emanating from brakes that failed because of corroded steel components in the master cylinders, brake calipers and brake lines.<\/p>\n

Just like brakes, steering systems can leak and fail, with both hard metal and soft rubber lines susceptible to puncturing, corrosion and wear.<\/p>\n

A car\u2019s suspension system is equally vulnerable to wear and tear. Owners of vintage race cars have probably had the vehicles\u2019 suspension systems upgraded, given the demands of the track. Still, welded and casted components can fissure from the enormous stresses, from sudden accelerations and decelerations to abrupt turns, placed upon the suspension system.<\/p>\n

Mechanical failure is\u2014in a word\u2014guaranteed. This doesn\u2019t mean that it cannot be corrected or mitigated. Routine \u201ccrack\u201d testing of suspension systems by licensed restoration specialists will divulge the tiniest fractures. Such testing would be critical and possibly required on any race car. Similar periodic inspections of brake and steering systems will shed a light on dry rotting and other forms of deterioration, in addition to pin-sized holes.<\/p>\n

Inspections, of course, precede necessary repairs by trusted, professional mechanics. While sports car owners cannot eliminate the threat of collision, they can at least reduce the mechanical failures that contribute to this risk.<\/p>\n

\n

\"\"<\/a>About the Author<\/strong> – Bill Crowley has been racing cars since his late teens and has restored several vintage British automobiles. Today, he owns an open-cockpit D Sports Racer and regularly competes at Watkins Glen International and other tracks. For the past 34 years, Bill\u2019s \u201cday job\u201d has been at Chubb & Son, a leading insurer of valuable vintage vehicles and other collectible cars for more than four decades. As its worldwide automobile claim manager, he has seen his share of unusual losses\u2014insured and uninsured. As someone who knows cars inside out, he has unique insight and singular wisdom on how to avoid them. Visit www.chubbcollectorcar.com<\/a> for more information about classic car insurance.<\/p>\n","protected":false},"excerpt":{"rendered":"

By Bill Crowley, Chubb & Son While insurance does not cover a prized vehicle\u2019s sudden or gradual mechanical breakdown, it does address a mechanical failure that causes or results in a collision. Such claims tend to fall into three categories\u2014breakdowns in the car\u2019s braking, steering or suspension systems. Face it\u2014older cars have older mechanical and braking systems. Chubb recently received a claim for a 1950s-era Mercedes-Benz that hit a tree outside the owner\u2019s driveway after the hydraulic brakes failed. It […]<\/p>\n","protected":false},"author":106,"featured_media":796500,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263,258],"tags":[17152,2325],"class_list":["post-369084","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-culture","category-tips-advice","tag-car-culture","tag-advice"],"yoast_head":"\nMechanical Malfunctions and Misadventures - Insurance Advice<\/title>\n<meta name=\"description\" content=\"While insurance does not cover a prized vehicle\u2019s sudden or gradual mechanical breakdown, it does address a mechanical failure that results in a collision.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.supercars.net\/blog\/mechanical-malfunctions-and-misadventures\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mechanical Malfunctions and Misadventures - 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