Hagerty insurance
 

Has anybody used hagery classic car and how was it.

Re: Hagerty insurance
 

Coupe35,
Never had a claim, but seem great.
Regards,
Paul

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I just signed on with them,I had American Colectors before didn't have a problem just wasn't happy with the price. I shopped around found I could add more coverage and add another car for the same money as my old policy. They also have a clause that if you pick up another car its automatic to your current policy as long as you notify them with in 30 days. They even insure projects.

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A good friend of mine had a claim, they were fantastic to deal with.

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I've used Hagerty for a few years.......but never had a major claim either. Needed a tow once however, and their roadside assistance program worked great.
Joe

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I've had my '50 "C" word PU insured by them for a couple of years. Never had a claim, but they do have a good towing policy, as previously mentioned. When I get my 34 down here, I plan to use them to insure it too!

Only down side I know of, is that I've started receiving unsolicited emails from various special interest groups, all vehicle related, which tells me that they sell your address info.

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I've had insurance with Hagerty for over ten years. Had a major claim in '95. Adjuster was here in two days and I had a very reasonable check in hand within a week. Outstanding in my book.

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I think Hagerty is great. I think Heacock Classic is just as great for less cost.

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I have 3 cars insured with them, A friends daughter totaled his Torino & they gave him the insured amount & let him keep the car.
Gary.

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I have been with Grundy for the last four years. Had a claim a couple months ago and they provided super service.

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I been with Hagerty for 3 years and had 1 windshield replaced with out a problem.

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We've had them on all our cars for years. No claims though (fortunately!)

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I've had them for 12 yrs with agreed value and had 1 claim for a lost spider hubcap. NO questions just sent a check and right away.
Don

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Have been with them seven years; no claims, but the roadside assistance has come in handy several times. A friend had his '50 sedan insured with them and always speaks very highly of their service when the car was t-boned several years ago. They even paid him for his own time spent on repairing it.

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Always an interesting subject.

Most folks are not aware that the different "sellers" of antique auto insurance are not the ones providing the insurance coverage. You may be buying insurance from Grundy or Condon/Skelly, but the coverage is "underwritten" by such insurance companies as Zurich, Foremost, Metlife Auto, Philadelphia Indemnity ... and so on.

And the actual underwriting company may differ by state.

Not that it matters. You will hear very few stories, if any, about somebody not being treated fairly by any of the antique auto insurers. There has been a lot posted, price seems to be the major difference.

Even more unusual, companies like State Farm and Nationwide, rather than write you on one of their policies, may place your coverage with Grundy who in turn places it with ... XYZ company.

One caution. Insure your car for what it's worth. You can insure it for less and hope that any damage/claim wll not be for the total value of the car ... you can get that bent fender fixed and the company will pay 100%. BUT, if you do have a total loss, agreed amount or whatever, they will not pay more than the policy total.

... and if they do pay the total, they get the car.

You have the right to BID for the salvage value.

True story. Model A roadster. Hurricane Katrina. Total loss, $10,000.

The car had belonged to the insured's father and had been completely restored. It was worth quite a bit more than $10,000. In order to make a claim for the 10K AND get his father's car back from the insurance company, the insurer owner would have had to beat the then high bid of $12,000 ... the salvage value.

Incidently, he took the 10 grand and somebody else paid more for the salvage than the insurance company paid for the loss.

Read 'em and weep.

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Nope. Been with The Hartford for over a decade, and though I’ve looked around to see if I could get a better deal someplace else, I haven’t been able to find better classic auto insurance quotes with any other provider. They handled the claim I made really well, kept rates low, and been pleasant to deal with too, so I suggest you see what they offer you.

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Have had them for 5 years, no problems.

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Here's a current Hagerty story ... and not unique to them. As I posted earlier, there have not been many bad experiences reported with the antique insurance companies.

Good friend just had a low mileage collector car shipped from the NY area to Jacksonville. It arrived with numerous serious, hand-sized bruises that took the paint down to and below the primer ... original paint, of course. Cracked the driver's window. CIGARETTE burn on the seat. Dent in the top after requesting and paying for "on top" loading.

Do not to use a trucking broker.

Obviously the trucker's fault, their insurance low-balled the $4,000 damage, $2,200.

My buddy reported the damage to Hagerty to keep them aware of the problem and not to file a claim with them. Hagerty convinced him that they should write him a check and proceed against the trucker themselves.

Pretty cool. (I don't say that very often.)

I still have not heard of any bad experiences with any of the antique insurers.

(I HAVE worked both as an underwriter and an agent during my motley career ... and have some insight into the business.)

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I have Hagerty and have never had a claim but the price is great. The best thing is that they want you to use your car. Their ad shows the dash line on a highway and the copy says, "Tear along dotted line."

When I had J.C. Whitney insurance there could be no performance mods and they were very strict about driving. They didn't want pleasure driving.

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Re: Hagerty insurance
 

"Interesting info from the bandaged up guy about them farming out policys on old stuff . I will ask my agent ."

What your agent should tell you is that it varies state by state. What they do in WI may be, and most likely is, different than in MI, for example.

State Farm is an insurance company ... an insurer. JC Taylor is an agent.

JC Taylor does not "insure" anything. They place the insurance with an insurance company, and who they use may also vary state by state. State Farm may or may not insure antique cars themselves depending on the state.

Keep in mind that your State Farm agent most likely deals with insurance in one state only ... and you may be the only antique car client he has.

He is probably taking excellent care of you ... but he really doesn't have to know what's going on in Arizona, Florida, California, etc. to be a great agent in Wisconsin.

For fun, take out your antique car policy and see if you can find any "restrictions" in it. Look for anything about "miles allowed per year" or "must be kept in a locked garage" or "NO pleasure driving" ... as stated by one poster:confused:

Lots of folks post on these insurance questions. Nobody does any real checking or research.

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I used State Farm (in Illinois) for my antiques for many years because they would insure my teenage sons driving them which the antique only companies will not. State Farm will insure antiques in different ways depending on what you ask for. They will insure them as a regular vehicle if you want to drive it to work. They will insure it as a regular vehicle at an agreed value (I did some 60's cars that way). They will also insure it as an antique with restricted usage and better rates. Some agents are much more informed than others regarding these policies. The antique only companies (I switched to Grundy) are much less expensive, especially for multiple vehicles, if you don't mind the restrictions.

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No one has mention anyting about liability. Has anyone had a claim concerning liability.

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Perhaps the experts here can elaborate on stated value vs agreed value policies.

Here are a couple of articles that may be of interest...

http://www.chevyhiperformance.com/te...ide/index.html

http://www.hhrvresource.com/Images/P...reed_Value.pdf

http://www.roughnotes.com/rnmagazine...e05/06p124.htm

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Again, interesting what is believed and written about antique car insurance.

From the above "Chevyhiperformance" site:

"Certain companies ask that you only drive the vehicle to and from shows and stay with it at all times. This means if you leave the car to get a hot dog from the nearest vendor and a tree suddenly comes crashing down on it, or it suddenly burns to the ground and you are nowhere around, the car will not be covered."

I keep trying to find cases where something like this really happened, and the company has refused to pay. I have never seen any language in an antique policy that comes anywhere close to addressing such a loss. It's actually silly ... "silly" is not an insurance term, but it fits.

"Most policies have mileage restrictions."

Haven't seen one yet. Still waiting for someone to post what their POLICY says about limiting the number of miles driven.

From the "hhryresourse" site:

Sounds good and is simple enough.

From "roughnotes":

This is insurance talk by an insurance guy for insurance people. "Rough Notes" is excellent reading, like porn for serious folks in the insurance business. The article addresses "co-insurance'' ... valuable information, however coinsurance provisions in an antique auto policy are so far unknown.

For the purposes of antique auto insurance, you can safely consider agreed value to mean that if your car is "totaled" you will receive the total amount of your policy with no adjustment for depreciation or arguing about what the car is presently worth.

Oldford asked about liability. Nobody on any of the forums I follow has mentioned any liability claims. Got to be a few out there.

(I apologize if I sound like I'm trying to be THE expert, but there are some irresponsible statements made that confuse people.)

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I have had Haggerty for several years now, and although I have not had a claim, they were great to work with, and the price was right, and although it is based on the figure that you believe your car is worth or what you have in it, as long as it is within reason, there is no backlash.

Re: Hagerty insurance