Online only as far as I know.

 

Thanks.

 

and I wonder, if you state 3,000 annual milage...drive 4,000...have an acident...will they cover you...if you have a really high agreed valuation?
wj

 

I went on line

 

I am sure they would cover such a situation. 4k miles this year, maybe 2.5k the next... Nothing in my policy states a yearly mileage limit and they never have asked for a current mileage on the car so no way for them to determine my actual mileage driven.
I think they are just trying to determine if your intended usage and mileage fits in their guidelines for a Sunday driver/show car. They must be wise to people trying to scam them.

 

I always assume that any insurance company looks for reasons to deny your claim…

 

Consider JC Taylor as well. I've had multiple antique and modified vehicles with them for a couple decades now with no complaints. I went with them because back in the late 90s I called all of the big names in agreed value insurance asking about insuring a Toyota Supra. I remember the quote from the guy on the phone with Hagerty: "We don't insure no Subarus." Certainly in the intervening decades they've awakened to the Japanese collector car market, but back then they thought I was nuts. JC Taylor by contrast said it was too new for their antique policies, but asked me if it had any mods. I said a few. They said "Great! We've got a policy for modified show vehicles that we can do for you." And I've just kept adding cars since then. Last year I bought an old Lotus and thought it was time to shop my vintage cars around. I called the two biggies, Hagerty and Grundy, but JC Taylor was still cheapest by a large margin. This year I asked about bumping up the value on my Supra another 10K and they offered out of the blue to switch it from the modified vehicle policy it was on to an antique policy with virtually the same terms and my rate actually went down.

I've had to file one claim when I cracked up the nose of my 69 Corvette about ten years ago. Took it to the most expensive shop in town and they took care of everything, though at that point I think claims were handled by the underwriter, not the agent. You rarely read about claims problems in the classic car insurance world though. They're all pretty good I think because unlike soccer mom SUV insurance, bad reviews would spread like wildfire from car show to cruise night and across every enthusiast forum. Its probably just not worth trying to save money by nitpicking claims. You'd probably have to do something really way off the policy terms, like if the police report said it was stolen after being left parked unattended at a shopping mall or you smashed it up driving to work in Monday morning rush hour traffic in a rainstorm.

But I can understand if the policy rates on collector cars goes up. Each year it seems there's fewer and fewer people who can work on them as the experienced mechanics and body men retire or die off. The younger generations are not nearly as interested in working on classic cars as they are in getting into technology fields. I think its the same old thing. When I was in high school, I thought working on classic cars was just something the older men in the neighborhood did for a hobby on weekends and that working in a greasy, dirty, un-airconditioned shop for low wages was not the kind of job I was supposed to aspire to. I had no idea. Maybe I had seen pictures of Pebble Beach in a magazine or something, but that was a totally foreign world to me. I was unaware that millionaires like Jay Leno were paying good wages for skilled restoration specialists. We didn't have the internet back then and nobody told me. If only I had known. My parents, teachers and high-school guidance counselors brainwashed me (and all other kids too) that the only way to get ahead in this world was to get a college education and wear a suit to an office. Today's kids obviously don't know either and so if you need your classic repaired after an accident in the future, the few people left doing that kind of work will be able to charge whatever they want.