Frequently Asked Questions

1.  I'm a CWG Agent - can I bind coverage?

Yes, CWG agents have binding authority for vehicles up to $40,000 in value (Top value of $35,000 for Modified/Customized vehicles and Replicars).  You have 3 business days to get the completed application and photos to underwriting.

2.  Where do I send applications?

All Collector Car applications can be sent to Collector Car Underwriting in Luverne, Minnesota
Mailing address:  CWG, PO Box 500, Luverne MN  56156.  
E-mail address:  This e-mail address is being protected from spambots. You need JavaScript enabled to view it
Fax # 1-800-232-9925

Photos must be color so they should be mailed with the application or e-mailed to This e-mail address is being protected from spambots. You need JavaScript enabled to view it .  
We can not accept faxed photos because they come through in black and white

3.  Do we have to include liability on all vehicles or can we insure vehicles for comprehensive only if they are being restored and not driven on public roads?

Vehicles can be insured for comprehensive coverage only while being restored.  We must have photos of the vehicle with the application and it must be insured for the current value rather than the completed value.

4.  Are Payment Plans Available?

Yes, if the premium is $200 or more we offer 2-pay, 4-pay, monthly pay or monthly EFT.  There is a $5 installment charge after the 1st payment on all pay plans with the exception of Monthly EFT. Credit Card Payments are also acceptable. We can accept payment by phone (check, credit or debit card) by calling 1-877-385-9114 Monday - Friday 8:00am - 5:00CST.

5.  Agreed Value vs Stated Value Coverage - What's the difference?

CWG writes Agreed Value Coverage.  This type of coverage is the only way to get reimbursed for the value of the vehicle if there is a total loss.  
Stated Value pays the 'lesser of' the actual cash value or the Stated Amount on the policy.