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Insurance
- Thread starter tinman58
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A search here will get you a *lot* of suggestions and comments.
But as far as many of us are concerned ... you can't get better insurance than Hagerty's.
https://www.hagerty.com/Auto/vehicle_index.aspx
Tom
But as far as many of us are concerned ... you can't get better insurance than Hagerty's.
https://www.hagerty.com/Auto/vehicle_index.aspx
Tom
Brosky
Great Pumpkin
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Every insurance company is good until you have an accident and they have to pay. That is when you find out who is OK and who is the best. In my opinion, Hagerty is the best in service, courtesy, fairness to the owner and actually in caring that the car is done to your satisfaction.
I never knew until last week, that the claims rep from Hagerty headquarters that was assigned to my case, called the body shop twice a week to monitor the progress on my car. The owner of the shop thought that I knew and never bothered to mention it until we just happened to be talking about how good Hagerty was.
Here's my repair saga:
https://www.74tr6.com/repainting.htm
I never knew until last week, that the claims rep from Hagerty headquarters that was assigned to my case, called the body shop twice a week to monitor the progress on my car. The owner of the shop thought that I knew and never bothered to mention it until we just happened to be talking about how good Hagerty was.
Here's my repair saga:
https://www.74tr6.com/repainting.htm
V
vagt6
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Aldwyn said:
Grounds for divorce, I'd say!
:lol:Silverghost
Yoda
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Buy or rent a second garage with the money you'd save on the premium you'd pay to have it outside? 
Aldwyn
Jedi Warrior
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vagt6 said:
That would be wrong... she bought me my Six in the first place! :laugh:
Silverghost said:Buy or rent a second garage with the money you'd save on the premium you'd pay to have it outside?
Thought about that, actually... I could take down a couple of trees in the back yard, and put up another garage back there. But I bet my home owners association would throw a fit, though!
Hey, Dale... can you call up Rouse Co. and tell them that a new garage in my back yard was part of your origional vision for Columbia?
Oh, and just so this isnt a total thread theft: Tinman, I use Haggarty and they seem to be top notch! Never needed a claim from them, though, thank the car gods.
- Aldwyn
TR3driver
Great Pumpkin - R.I.P
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FWIW, I had my 59 TR3A insured with Mercury. Since it was a daily driver, there was no way to qualify for "collector" insurance like Hagarty or JC Taylor or Grundy offer. Also normally stored outdoors.
Basically I stated a "not to exceed" value for the car, which is what my premium was based on; while any actual payment would be for actual damages. The car was pretty rough when I signed up, so I only stated $8k.
Few years ago, I was the cream filling in a 4-car chain collision. Took some doing to find a shop that would even give an estimate on repairing it; estimate was $12k.
To determine my car's value, Mercury found four "comparable sales", meaning TR3As in similar condition that had sold within the previous year. I saw the list, and could have argued that those cars were not comparable and/or provide counterexamples if I wanted to (but they were). The average of those actual sale prices was $8800, more than my "not to exceed" amount; so they just cut me a check for $8000 and let me keep the wreck/salvage. Since my freshly rebuilt 4-synchro OD gearbox (with the beefed up TR6 main housing) was intact; along with several other go-fast goodies, I feel I made out quite well.
Of course, my other choice was to turn down Mercury's offer and pursue the guy that hit me directly. No doubt it was his fault as I and the other two cars in front of me were fully stopped before he hit us; and he even admitted to the CHP on the scene that he was not watching the road. But I doubt I could have gotten more than $10k from his insurance, so I chose to accept Mercury's offer.
YMMV and all that, but I'm happy with Mercury and they still carry my insurance (house and car).
Basically I stated a "not to exceed" value for the car, which is what my premium was based on; while any actual payment would be for actual damages. The car was pretty rough when I signed up, so I only stated $8k.
Few years ago, I was the cream filling in a 4-car chain collision. Took some doing to find a shop that would even give an estimate on repairing it; estimate was $12k.
To determine my car's value, Mercury found four "comparable sales", meaning TR3As in similar condition that had sold within the previous year. I saw the list, and could have argued that those cars were not comparable and/or provide counterexamples if I wanted to (but they were). The average of those actual sale prices was $8800, more than my "not to exceed" amount; so they just cut me a check for $8000 and let me keep the wreck/salvage. Since my freshly rebuilt 4-synchro OD gearbox (with the beefed up TR6 main housing) was intact; along with several other go-fast goodies, I feel I made out quite well.
Of course, my other choice was to turn down Mercury's offer and pursue the guy that hit me directly. No doubt it was his fault as I and the other two cars in front of me were fully stopped before he hit us; and he even admitted to the CHP on the scene that he was not watching the road. But I doubt I could have gotten more than $10k from his insurance, so I chose to accept Mercury's offer.
YMMV and all that, but I'm happy with Mercury and they still carry my insurance (house and car).
Are those of you insured with Hagerty or a similar company with a "collector car" policy actually driving your cars? They wouldn't insure my '67 VW bus because I drove it everyday. They told me it could only come outside to be in shows and parades. Thats a waste of a car!
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Rusty - altho' I've (fortunately) never needed to file a claim, I've been really pleased with Hagerty. They're actually interested in the car, and its "progress".
If I were driving it every day, I wouldn't be going for collector car insurance. But I care about my TR, and only drive it for fun and "exercise". Hagerty works for me. I have no problem with their "limited use" requirements.
Tom
If I were driving it every day, I wouldn't be going for collector car insurance. But I care about my TR, and only drive it for fun and "exercise". Hagerty works for me. I have no problem with their "limited use" requirements.
Tom
BobbyD
Jedi Knight
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I talked to Haggerty in the fall and they seemed to be quite liberal with their driving conditions. They don't want it used as a daily driver, like taking it to go grocery shopping but.....when I asked if we were out for a pleasure drive and stopped at the grocery store on the way home, would I be in compliance? Or if we stopped at our golf course to have lunch or dinner, were we covered? I told her that I drive the car 4 or 5 days a week in good weather so would that be covered. In all cases she said yes. I just couldn't use it as a daily driver :wink: They did require that there be a regular car for every licensed driver in the house. When I mentioned that we're both retired and were considering selling one car because it never gets used, she was concerned but said we'd cross that bridge if/when it happened. I haven't changed to them yet but I still may.
myspitfire
Jedi Warrior
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I have a funny story for ya,Couple summers ago i had my Spitfire parked in the portable garage with the cover on it,decided we'd go for a drive took the cover off left it lay in the garage & off we went.We came back parked the car in the OTHER GARAGE.My son came home backed his car up against the cover.He went to work the next morning with the cover hooked to his rear bumper.I went out to find the cover had disappeared to find my expensive car cover laying along the road a 1/2 mile from the end of my driveway,walked down to retrieve it found a rip in it called Hagerty they said no problem & 3 days later i recieved my bloated reinbursement in the mail...That was the only claim i've ever had in 5 years of driving Whitelightning.Funny how things happen UEXPECTEDLY :thumbsup:.My yearly premium has never changed $100.00 a year on a $10,500 agreed value coverage.Hagerty's just the best their is.I guess Grundy's ok too.
Ken
to find my expensive car cover laying along the road a 1/2 mile from the end of my driveway,walked down to retrieve it found a rip in it called Hagerty they said no problem & 3 days later i recieved my bloated reinbursement in the mail...That was the only claim i've ever had in 5 years of driving Whitelightning.Funny how things happen UEXPECTEDLY :thumbsup:.My yearly premium has never changed $100.00 a year on a $10,500 agreed value coverage.Hagerty's just the best their is.I guess Grundy's ok too.Ken