Questions about Haggerty...
Thread Starter
Burning Brakes
Joined: Jun 2000
Posts: 951
Likes: 0
From: NW Burbs IL
Questions about Haggerty...
I was beginning to think that Haggerty Classic Insurance was too good to be true. The rates are incredibly low, the milage average is higher then the amount of miles I put on in a year and it has an agreed value policy.
The only thing that really bothers me is the low limits on the policy: Liability $40K, uninsured $40K, underinsured $40K. What happens if I hit a Hummer and it's totaled??? That's a $70K+ vehicle! Would I be liable for $30K+ the costs of injuries and the such??? I don't drive my Vette like an idiot, but you never know when someone pulls out in front of you unexpectedly!!
Need advise. My Allstate insurance coverage is for $100K/$300K versus the $40K, but if my car is totalled, they only give me blue book value! :mad
[Modified by Leos 81, 1:46 PM 8/4/2001]
The only thing that really bothers me is the low limits on the policy: Liability $40K, uninsured $40K, underinsured $40K. What happens if I hit a Hummer and it's totaled??? That's a $70K+ vehicle! Would I be liable for $30K+ the costs of injuries and the such??? I don't drive my Vette like an idiot, but you never know when someone pulls out in front of you unexpectedly!!
Need advise. My Allstate insurance coverage is for $100K/$300K versus the $40K, but if my car is totalled, they only give me blue book value! :mad
[Modified by Leos 81, 1:46 PM 8/4/2001]
Racer
Joined: May 2001
Posts: 489
Likes: 0
From: beach fl
Re: Questions about Haggerty... (Leos 81)
I have Hagerty, underwritten by CNA Ins.Co.
Liability: $100,000.00
Uninsured: $100,000.00
Underinsured: $100,000.00
Plus Agreed Value Coverage, doesn't get any better than this when you consider the low premium. Rick
Liability: $100,000.00
Uninsured: $100,000.00
Underinsured: $100,000.00
Plus Agreed Value Coverage, doesn't get any better than this when you consider the low premium. Rick
Race Director
Joined: Apr 1999
Posts: 15,145
Likes: 477
From: NM
Re: Questions about Haggerty... (Leos 81)
The only thing that really bothers me is the low limits on the policy: Liability $40K, uninsured $40K, underinsured $40K. What happens if I hit a Hummer and it's totaled??? That's a $70K+ vehicle! Would I be liable for $30K+ the costs of injuries and the such???
tom...
Thread Starter
Burning Brakes
Joined: Jun 2000
Posts: 951
Likes: 0
From: NW Burbs IL
Re: Questions about Haggerty... (Leos 81)
I did do a quote online, but never noticed the button to adjust the coverage.
I also called Haggerty on the phone and the agent never asked what coverage I wanted. I'll have to give it another try.
One more question, he mentioned an "average annual mileage, but never mentioned if there was a maximum mileage. Does anyone know if there is one?
Thanks for your help!!! :D
I also called Haggerty on the phone and the agent never asked what coverage I wanted. I'll have to give it another try.
One more question, he mentioned an "average annual mileage, but never mentioned if there was a maximum mileage. Does anyone know if there is one?
Thanks for your help!!! :D
Race Director
Joined: Apr 1999
Posts: 15,145
Likes: 477
From: NM
Re: Questions about Haggerty... (Leos 81)
One more question, he mentioned an "average annual mileage, but never mentioned if there was a maximum mileage. Does anyone know if there is one?
tom...
Safety Car
Joined: Nov 1999
Posts: 4,466
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From: Paducah KY
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St. Jude Donor '03
Re: Questions about Haggerty... (Leos 81)
They told me there was no limit on the mileage. The restriction is on the use and storage. You can drive all across the country if you're prepared to show (I doubt that they would ask) that it was to attend car shows or events. I even told them that I'll race mine at club sponsored events. They said I wouldn't be covered at any track event, but they still wrote the policy. I'm very pleased with them so far.
Dave
Dave
Melting Slicks
Joined: Apr 1999
Posts: 3,264
Likes: 3
From: Toms River NJ
Re: Questions about Haggerty... (Leos 81)
I like the look of hagerty's policies, but hate them since they wont insure me since im only 20!:bs I feel like arguing age discrimination to them ....lol :mad
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Race Director
Joined: Aug 2000
Posts: 18,478
Likes: 3
From: Quincy IL
Re: Questions about Haggerty... (Leos 81)
i was interested in changing a few months ago and a friend of mine sells Allstate,so i give him copies of current policies,on my house and 4 cars,and tell me let me know soon,cuz i have to renew and pay up. finally with about 5 days til payment due date,he tells me Allstate doesn't want to insure my corvette. i'm not to happy with Allstate or my friend at this point,and need to check into Haggerty myself.
Melting Slicks
Joined: Feb 2001
Posts: 2,562
Likes: 1
From: (Temporarily) Colorado Springs Colorado
Re: Questions about Haggerty... (Gary79)
Gary ... do haggerty and don't look back :lol: I've never seen a bad comment about their service or pay off when a Vette is damaged. I did them and am very happy. I don't remember them even asking my current odometer reading ... did everything over the net other than sending a copy of my other insurance company's declaration for the daily drivers.
Drifting
Joined: Mar 2001
Posts: 1,411
Likes: 2
From: St. Louis, Missouri
Re: Questions about Haggerty... (Gary79)
Sorry Gary, pretty sorry treatment from Allstate, IMO. They insured my '79 no problem, but I've been with them for 20 years. I'm a fairly low risk as well. I'm looking to go with Hagerty or Grundy because I know that if I have a major claim with the COrvette, Allstate will screw me.