Illustration for article titled Q:How do you insure a JDM imported Pajero? A:Make you agent do work

I made my insurance agent do some work this morning and got the Pajero insured. I had gotten a quote from Hagerty before I bought it just to make sure I could insure the truck in the worst case. They said sure, for $67/month and the usual classic/specialty car insurance policy restrictions.

Folks online indicated they had been successful getting State Farm to insure imported cars, which is handy since I’m a lifelong State Farm insurance customer. Apparently not all insurance companies can/will deal with insuring imported vehicles with non-standard VIN numbers that don’t exist in North American databases and for which book values also don’t exist.

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Once we got past the initial “a what?” question when they asked make and model, the rest was pretty easy on my part. He took the information, made a copy of the purchase paperwork and the import documents and took some pictures and told me he’d get on the phone with underwriting and get back to me with a quote.

Apparently he spent a couple of hours with underwriting, but by lunchtime I had a standard full coverage policy at an agreed value of $14000 for $37/month and no restrictions on use.

Even though the truck was technically covered under my existing F-150 policy under the clause that any purchase is automatically covered for 30 days under that policy, I cringed at the thought of having to make a claim under that with something like the Pajero. Now that it is fully insured and everyone agrees on what it is and what it is worth, I feel like I can really start getting go know it and what it can do.

Next step, title and registration. Currently it is on a Virginia temporary tag.

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