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Discussion in 'The BS Topic' started by 79zBlue, May 24, 2012.
I've had the car 7-8 years? It's insured for $17k
I've had mine since 06, never asked if garaged, mileage, pics...nothing, ever. Also have antique vehicle tags....oh and its insured for 20k. I only hear from them when a get a bill from them, once every year, that's it.
when i was looking into antique tags , the local notary said i needed the stock wheels , but when i called harrisburg DOT they said that the stock wheels really dont matter , its the condition of the car. As far as the insurance they dont get uptight w/ the wheels, for mine i needed bothe sides , front , rear , trunk and engine bay
However, if you file a claim and they find out you weren't abiding by the policy regulations.......Good Luck!!!
I was told my cars had to be garaged.
I figured if I just didn't say anything , and got the coverage I'd be fine.
Someone else informed me on another car forum they got burned doing that.
Essentially at that point you're not paying for coverage, you're just paying for an Ins card to not get a ticket.
If that's all you want, send me the premiums, I can make you an insurance card.
I have Heacock Classic, underwritten by American Modern. No grief at all about stock or not. As with others, mine can't be a daily driver, and needs to be garage kept. Other than that, no worries. $190/year for $13k value, 6000 mile allotment.
Agreed, I started my policy with them about a year ago on my 73. Provided two pics of the exterior and that was that.
OOHHH S*&^ i thought it said heacock , sorry running on no sleep, i have a 3k milage 15k agv, and no hassle about wheels, but it does need to be garaged, and you can drive it whereever
You better read your policy. It specifically states in the policy that it has to be stored in a locked garage.
If it is damaged or stolen while stored outside, your claim WILL be denied.
Read more about it here on Hagerty's website:
I'm not sure where you read that Hagerty won't let you use your car to run errands or go out to dinner. Hagerty has one of the most liberal use policies of all collector car insurance companies.
I wouldn't insure my vehicles with a company that wouldn't let me go out for a cruise on a beautiful sunny day - just because I wanted to.
As already stated, you HAVE to have a daily driver insured elsewhere. But you are free to drive the car for limited pleasure use.
Hagerty even covered my 19 year-old. I have 3 vehicles covered. They are a little higher than some of the others but no one else would cover my son.
I have JC Taylor. Insured for $12,000 agreed value. I pay about $225/yr.
5,000 miles a year max, based on good faith.
Has to be in a locked garage.
Can be driven on the occasional cruise, parades, car shows, and for repair/modification.
I asked them if I take it to work occasionally would it be covered. They said as long as I don't make it a habit. They just don't want it to be used as a commuter car.