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Discussion Starter #1
My 1972 Sprint was hit last Saturday. The gentleman that hit it was nice. It was an accident. I had insurance from J.C. Taylor. Supposed to be specialists in classic cars. They are not. Just premium rates from Foremost. The Foremost guys sent an adjuster from Farmers. He couldn't even find the VIN without help. The guy that hit me has State Farm. They are the worst! Want me to run all over town to shops that never work on classic cars for estimates. But the worst part is I can't understand the Spanish speaking representative and have already caught him in several outright lies! He reads from a script and if you interrupt him, He has to tart over! The main reason I chose J<C, Taylor over Haggerty, is the mileage stipulation. I like to drive my car to work or just cruise it now and then. Haggerty wants you to drive only to and from car shows. And less than 2000 miles a year. Does any one know of an insurance company that lets you actually use your car?
 

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Haggerty doesn't impose any mileage limits on my policy. In fact they encourage me to take the car out of the garage and exercise it including taking it to work. Not that I do anymore since I retired 5 months ago, but... I did state that I drive approximately 3000 miles/year.

$240/year
 

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Dealing with insurance

Darned if you do and dammed if you don't ,

We have had State Farm for over 56 years. all cars and RV trailers, including a 1963 Sunbeam Alpine, was hit in the back . He had farmers and our state farm guy says.. We'll take care of it you find the best place to fix it. I took it 75 miles away and State Farm paid the bill. Currently on Elky our insur is on a multi-car plan with NO mileage restrictions. And just recently got back from BC Canada... When going take your insurance card..
We have never had a "special" insurance co?? Don't feel the need?

And it is a bugger when your favorite gets whacked..I have found just keep you cool and don't let them put on any " oh we found this in a you pullit".

And O52 Get it one the road, cuts out leaks!!
 

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Ministry of Broke Things
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Let me preface my comment with the fact that the same policy with the same company can vary from state to state. This is because insurance is regulated by the states, not the feds, so there are differences.

Anyhow, I have Hagerty, and I am also an agent for them in Texas. There are no mileage restrictions, and you can pleasure drive, drive on errands, and even an occasional trip to work. What Hagerty does do is require you to have at least one regular use auto per licensed driver in the household. While you can drive your classic to work on an occasional basis, they do not allow it to be your regular daily driver to school or work. But I know this is of little consequence to you right now. Sorry that JC Taylor has turned out to be a dud. I have had zero experience with them. Apparently they are underwritten by Foremost, which is owned by Farmers. I used to write for Foremost insurance, but after being acquired by Farmers, they are a pain to deal with, and their rates are ridiculous to the point that I haven't written a new policy for then in years.
 

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Haggerty doesn't impose any mileage limits on my policy. In fact they encourage me to take the car out of the garage and exercise it including taking it to work. Not that I do anymore since I retired 5 months ago, but... I did state that I drive approximately 3000 miles/year.

$240/year

did you get to choose your ins'd value ?
 

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Hagerty used to have strict limits. Not any more. Now you tell them how you want to use the vehicle and they give a price.
And YES you agree on a value for the vehicle with Hagerty.
I have 2 with them both are insured for about 5K more than I would give for them.
Im sure there is a limit but they seem to take what I said and based on that give a price.
 

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Discussion Starter #8
I will have to talk to Haggerty again. Several years ago when I did, They frowned on the fact that my Sprint has some performance modifications. And that I would drive it to anything other than a show or shop. I really don't have a problem with the JC Taylor agreed value coverage, Other than the fact that there is no adjuster in the Chicago area. They turned it to Foremost. Who in turn sent a Farmers guy to me. The State Farm guys however, SUCK. They would not send an adjuster. I took it to a body shop that they have an adjuster at. He claims that 1400 dollars should repair/replace a left Quarter panel, rear bumper and wheel well. The gas door and rear tail light. The right side tires that had to be drug along the curb to get the vehicles apart "are not covered". Realignment of the rear end ,that now dog tracks, "is on you". They actually told me that for anything they missed, I need to use my insurance as a supplement! I have had to deal with repairing motorcycles for State farm in the past. They used to be great to work with. Now they take a few pictures, look up the cheapest clone parts and book rate to replace them. offer you a minimal check and if you want any more then tough luck! I actually told him not to worry about the tailgate, because the bottom had traces of rust starting so I will replace it myself. I am not trying to rip them off. I have two other quotes. The cheaper one is 1770 to repair the quarter panel and replace the inner wheel well. He missed the chrome molding and the bumper on his estimate. Why should my insurance have to pick up the other $370? Sorry guys I don't mean to rant. This is all pretty disheartening. I actually had State Farm for my truck,2 motorcycles and my house. My agent sent me a brochure a couple weeks ago for State Farm Classic car insurance! Not gonna happen.
 

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Ministry of Broke Things
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Your right Haggerty will now write a policy on a modified car. Thanks for the info!
Yes, all true. The rate for modified vs. stock is a little higher, but not by much. They do frown on nitrous systems, though.
 

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I have Haggerty and, in fact, Rushgator (Glenn) is my agent. And as stated here, there is no mileage restriction but it cannot be a "daily" driver. The only restriction I don't see mentioned here is that an enclosed garage is required. The premium I pay is based on our agreed upon worth of my El Camino. I'm happy with the deal and hope I never have to use it.
 

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Actually, a fully enclosed garage is not required with Hagerty. I have a carport (one side and back open) and qualified to insure my new '87 El Camino, although the premium may be a little more than with three walled or fully enclosed parking. Hagerty is much more affordable and very straightforward in what they cover and offer (ALOT!). I had Hagerty first on my '86 Choo Choo, but I let that policy lapse for a month because I had to cover a lot of high school senior expenses for my daughter, and (as usually happens) that's when I got rear-ended, five days before I was going to be able to get the insurance reinstated, so I am unable to give a claims-based report. But when I was about to go to TX to buy and pick up my '87, I called Hagerty and basically picked up very smoothly where we left off, with my original customer number, and I had the insurance start the day I was to pick the car up. (The way my luck had been going, I didn't dare drive it w/o full coverage!) It was for an "agreed value", but since I now know that it is a true Z15 SS, I will be upping that number.

Hagerty has a good valuation tool on their site, and it's the only place I've found that accounts for the added value of a Choo Choo Customs SS ($4,500) on top of the standard value of an El Camino. It also gives good guidelines on how to grade and evaluate your vehicle.

Hagerty is also attuned to the needs of vintage/collectible car enthusiasts, with many traveling and replacement part services included in their policies, either free or at very low cost, probably because they're aware that most of us do our best to keep our vehicles from needing such emergency services. Although I have yet to need their services, they seem to have a reliable and trustworthy reputation, and it is obvious that they are truly focused mainly on auto enthusiasts and related markets. In other words, they don't insure just any old car with vintage plates. Also, they seem to infer that they don't cover drivers 25 and under, which probably helps keep their costs low, which results in lower policy prices.

LK Meano
 

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Scooter,
From outside appearances the insurance co. paying the bill wants it done as cheap as possible and just enough to get by, document everything, as a licensed motor vehicle damage appraiser in a former time ( still licensed in Pa.) I can tell you the appraiser cannot write repairs for things that are not visible, That is where supplemental repairs come in for when they come to light.

Also do not be afraid to contact your state insurance commission and let the appraiser know that you will if things are not addressed in a timely manner.
They will try to depreciate as much as possible, again make them document the whys and what fors. In most states damage related to the incident should be covered,re: dragging tires etc...

My 2 cents,Mike
 

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Discussion Starter #14
Thanks,Mike.

I finally got a hold of a person at State Farm ,That understands why I was upset. She explained to me about the supplemental claims and gave me her personal email. She and her supervisor looked at the photos of the accident scene and the damage to the car. It probably helped that her father and brother both own Chevelles. They finally agreed that the quarter panel should be replaced, and any structural damage addressed. They just asked me to send picture of what we find. I think that having recent before pictures helped also. Looking at it from their point of view helps, also. I think they thought I was trying to get something for nothing. Now I think we are on the same page and I'm not so scared I might get this thing apart and not have enough money to put it back together!
 

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Just for clarification in case others are considering Hagerty insurance. An enclosed garage IS required in Texas. As Rushgator stated, requirements vary by State.
 

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Discussion Starter #16
6 weeks after the crash and State farm is a Dud. Their websight that they make you sign up to does not work. They give you a phony Email address that is not monitored. We have sent the Supplement in from several different sources, still no reply. If they are called the canned response is "We can't help you, until we get an update".
 

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Discussion Starter #17
Finally

After 4 months, State Farm finally came up with a check! Or at least Foremost says it is in the mail. The woman at State Farm actually told me a 1972 car wasn't worth fixing and I should be happy to get anything. I finally turned it over to my insurance and they worked with the body shop. I was fortunate to have some recent pictures of the car, Before the accident. And several before work began.
 

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Just for clarification in case others are considering Hagerty insurance. An enclosed garage IS required in Texas. As Rushgator stated, requirements vary by State.

Barry, actually that has recently changed. As in changed within the last six months. While they prefer a fully enclosed locked garage, they will now insure a vehicle stored in a carport. However, it does affect the rate, and they still do not allow outside storage on the gulf coast for obvious reasons. They're steadily loosening up guidelines to get more business.
 

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Discussion Starter #19
I got another letter from State Farm, after 7 months. They still won't pay.
My insurance paid. I'm out my deductible and my rates went up, because I had my first claim ever. And they devalued my car by the amount they paid for the repair!
 
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