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Username Post: Haggerty question        (Topic#360546)
Adam63impala 
"3rd Year" Silver Supporting Member
Posts: 685
Adam63impala
Loc: From Memphis to Florida
Reg: 12-01-15
04-16-20 12:42 PM - Post#2791295    

okay so Haggerty says they won't cover my 63 unless I get lo-jack installed. "Bc its a high theft vehicle " lol.. and also said they won't cover me because its stored at my parents garage .. they are in a gated neighborhood and it's all law enforcement. I told the guy its much safer there than my house. Do they actually send a rep out to look at the car?



 


pvs409 
"8th Year" Gold Supporting Member
Posts: 2857
pvs409
Loc: Sergeant Bluff, Iowa
Reg: 01-10-05
04-16-20 02:34 PM - Post#2791303    
    In response to Adam63impala

I have State Farm, they have none of those requirements. I have actual value insurance that I picked on my cars. Two off them required appraisals.
State Farm sends out my local agent to inspect every few years. They sometimes question the value if its right.
Paul



57 BelairHT 283/270hp 4 spd
62 ImpHT 327/300 4 spd
62 Imp CV SS 327/300HP 700R4 (sold)
62 Imp HT SS 409/482 stroker 4 spd
62 Imp SS 409 - 5 spd Convertible
http://paulstensland.com


 
kingkreeton 
"7th Year" Silver Supporting Member
Posts: 1401
kingkreeton
Loc: Houston TX
Reg: 04-15-11
04-16-20 02:46 PM - Post#2791305    
    In response to Adam63impala

I have Hagerty for the last 10 years on my car. No Lo-Jac installed. I believe the only stipulation is that it could not be my daily driver. Like Paul, I did submit an appraisal to get the coverage I wanted on my car.

Maybe call back and speak with another person. I don't know the rules about storing it in a place that is not your residence. I know people who have their classic cars in storage units. Not sure what the difference would be.

No representative has ever come to check anything on my car. They are more than welcome but they would need to bring some cold beer to get into the garage.


Shane
64 Impala SS:
Chevy Performance 350HO
4 Speed Muncie

Proud member of Big Blue Nation, University of Kentucky Basketball. "Go Big Blue"


 
1941srodcoupe 
Member
Posts: 92

Reg: 07-08-03
04-16-20 06:59 PM - Post#2791334    
    In response to Adam63impala

Haggerty here also, with no lojack. It may have something to do with an extra high car value as mine is only about 12k.




 
ayelander 
"2nd Year" Platinum Supporting Member
Posts: 109
ayelander
Loc: Oak Island NC
Reg: 12-07-18
04-16-20 07:04 PM - Post#2791335    
    In response to Adam63impala

I've had Haggerty for some time. All three of my vehicles have no such requirement.

Ayelander - Oak Island NC
1963 Impala SS,500 HP,EFI 383 Stroker,Tremec 6 Speed Manual
1974 Corvette, 454 cu in, 4 Speed Manual
1951 Chevy 3100 Truck, 261 cu in, Dual 2-bbl Webers, Fenton Split Exhaust
2016 Chevy High Country, Diesel, Dually


 
lone star 
Contributor
Posts: 228

Reg: 08-24-08
04-16-20 08:06 PM - Post#2791337    
    In response to Adam63impala

Is it a lowrider? Hagerty is not lowrider friendly.call american collector



 
junky 
Valued Contributor
Posts: 3364

Loc: Northeast CT
Reg: 06-27-10
04-16-20 08:07 PM - Post#2791338    
    In response to Adam63impala

They might be telling you in a polite way that they don't want to insure either you, or your car. What is your driving record? Exactly what is your car model and engine? What is your insurance claim history? Do you move frequently? When applying for insurance all the above are evaluated by the insurance company prior to writing the policy. Even your credit rating can effect the premium, or even if the company will accept the risk.

Never argue with an idiot. He'll drag you down to his level, then beat you with experience.


 
Swifster 
Poster
Posts: 92

Loc: Sterling Heights, MI
Reg: 05-26-18
04-17-20 09:00 AM - Post#2791372    
    In response to Adam63impala

I did claim inspections for Hagerty. They had no such requirements.

1) Can not be your daily driver
2) Must be in an enclosed, locked secure storage place - It can be a regular storage unit
3) No driving to work
4) No driving to the grocery store
5) They don't typically require an appraisal unless they figure the amount is to high.

Is Lo-Jack still in business?


Tom

1963 Chevrolet ?
$121.00


Edited by Swifster on 04-17-20 09:03 AM. Reason for edit: No reason given.

 
BigDogSS 
"11th Year" Silver Supporting Member
Posts: 4785
BigDogSS
Loc: SoCal
Reg: 12-21-01
04-17-20 10:57 AM - Post#2791376    
    In response to Swifster

  • Swifster Said:
....Is Lo-Jack still in business?




Yes, they are. My pickup was stolen a year ago and it has LoJack. They found it within an hour.

FWIW, I have AAA Classic Car insurance and they had a guy come out to my house and inspect the car and verify it would be parked in a garage.

    1967 Chevrolet Impala SS convertible 327 - Ermine White C1 - VCCA Senior Award
    1967 Chevrolet Impala SS Sport Coupe 396 - Marina Blue FF - personal "barn-find" lol



Edited by BigDogSS on 04-17-20 10:58 AM. Reason for edit: No reason given.

 
rrausch 
"16th Year" Silver Supporting Member
Posts: 14282
rrausch
Loc: L.A, Cal. & St. Louis...
Reg: 04-07-03
04-17-20 12:05 PM - Post#2791384    
    In response to BigDogSS

When I first got my '54 Chevy 3/4 ton truck insured--it was my daily driver--my State Farm agent had me pop the hood, and she took a picture of the engine (235) to verify I didn't have a big V8 in the truck.

1953 210 Convertible, 261 with dual Carter YF 966S carbs, P.S., Remote Bendix P.B. Booster... shade-tree restoration about done.




 
probelair 
Gold Supporting Member
Posts: 79
probelair
Reg: 11-01-19
04-17-20 01:03 PM - Post#2791387    
    In response to rrausch

I bought a 61 Impala in October. They said the same thing and wanted 740 a year 1000 deductible and a hole other list of crap no thanks.



 
Tri5man 
Valued Contributor
Posts: 3870
Tri5man
Loc: Possums Crotch, KY
Reg: 06-26-07
04-17-20 01:09 PM - Post#2791388    
    In response to probelair

I've had Grundy for years with no hassles what so ever.



 
MonteMike79 
Newbie
Posts: 22

Loc: Erie, PA
Reg: 11-29-16
04-17-20 01:42 PM - Post#2791389    
    In response to Tri5man

Same here, 3 cars, agreed value on each, reasonable rates. Hagerty's rates were more money than I pay for our daily drivers.



 
GreatNorthWoods 
"6th Year" Silver Supporting Member
Posts: 1088
GreatNorthWoods
Age: 77
Loc: Littleton, New Hampshire,...
Reg: 03-31-02
04-18-20 04:29 AM - Post#2791415    
    In response to Tri5man

Same here. The only stipulation with Grundy is that you must have a second car (so the one you insure is not used as a daily driver) and that your insured car is garaged.

Vern

1953 Chevy Belair Sport Coupe - 355 Blueprint Engine, 700-R4, Vintage Air, EZ Wire, Ididit column, Cruise/Tilt, 59 Vette Steering Wheel, 4-Wheel Disc Brakes, Posies Springs, Coker Radials, Nova 10-bolt, Mustang II front, Continental Kit


 
Bad56Sedan 
"13th Year" Gold Supporting Member
Posts: 1245
Bad56Sedan
Loc: Pasadena, Texas
Reg: 04-29-04
04-18-20 05:54 AM - Post#2791417    
    In response to Adam63impala

how much is an appraisal?
just asking,
Like Paul said about State Farm, they will do an agreed value coverage,
they want several pictures of the car, car has to be garaged and locked up.

VC56S 2 door Sedan, 40 Years

[image]https://www.chevytalk.org/fusionbb/fbbavatars/a v-3564-1354211547.jpg[/image]


 
dgstarr 
"3rd Year" Silver Supporting Member
Posts: 180
dgstarr
Loc: Portland, OR
Reg: 04-16-13
04-18-20 02:45 PM - Post#2791449    
    In response to Adam63impala

I have had Grundy for about 20 years with no issues. A friend just settled a claim with Grundy and said they were great to deal with. Another friend with a nice stock 57 Bel Aire htp. switched from State Farm to Grundy because their rates were lower. My modern car and pickup have been insured with Farmers for over 40 years, but they can't come close to competing with Grundy for a collector car with agreed value.

Dave



 
kingkreeton 
"7th Year" Silver Supporting Member
Posts: 1401
kingkreeton
Loc: Houston TX
Reg: 04-15-11
04-19-20 04:55 AM - Post#2791492    
    In response to Bad56Sedan

I think I paid $300 for my appraisal back in 2010. Can't remember the exact number but it is close.

Shane
64 Impala SS:
Chevy Performance 350HO
4 Speed Muncie

Proud member of Big Blue Nation, University of Kentucky Basketball. "Go Big Blue"


 
Tri5man 
Valued Contributor
Posts: 3870
Tri5man
Loc: Possums Crotch, KY
Reg: 06-26-07
04-19-20 09:33 AM - Post#2791513    
    In response to kingkreeton

My next door neighbor owned a used car business, we used his business letterhead andwrote the word Appraisal on it and listed a price for the car I wanted to get insured. Cost me nothing and worked just fine for the insurance company. Any used car dealer could provide you the same.



 
junky 
Valued Contributor
Posts: 3364

Loc: Northeast CT
Reg: 06-27-10
04-19-20 06:37 PM - Post#2791557    
    In response to Tri5man

I just took a guess as to what it would cost to fix the car if the car were in a bad accident, and figured that it would cost about 20 to $25,000 to put it back together, so my figure was $30,000 of agreed value. It takes 75 - 80% to call it a total, so using my figures it would be repaired. They asked for detailed pictures of my car, and agreed to the value without an appraisal.
Hagerty now has an additional feature at extra cost, and that is if your car is totaled, you get to keep the car, and get the full agreed value also. Don't remember the cost, but you can add it to one or more of your cars if you want.

Never argue with an idiot. He'll drag you down to his level, then beat you with experience.


 
pvs409 
"8th Year" Gold Supporting Member
Posts: 2857
pvs409
Loc: Sergeant Bluff, Iowa
Reg: 01-10-05
04-20-20 11:17 AM - Post#2791598    
    In response to Bad56Sedan

  • Bad56Sedan Said:
how much is an appraisal?
just asking,
Like Paul said about State Farm, they will do an agreed value coverage,
they want several pictures of the car, car has to be garaged and locked up.



I just reconfirmed that State Farm can ask for an apprisal on some cars and that apprisal must come from an expert in Classic Cars not from a regular non classic used car dealer. My local office said there are only 2 accepted appraisers from our area of 150,000 population 25 mile radius - One is a well known local Classic Car restoration shop and another person with 60 years experience is owning and restoring classic cars.

I think the cost is probably $ 150+ appraisal cost depending on the type of car and documentation for original cars.

Paul

57 BelairHT 283/270hp 4 spd
62 ImpHT 327/300 4 spd
62 Imp CV SS 327/300HP 700R4 (sold)
62 Imp HT SS 409/482 stroker 4 spd
62 Imp SS 409 - 5 spd Convertible
http://paulstensland.com


 
rstreet 
Newbie
Posts: 7
rstreet
Reg: 12-31-14
05-18-20 12:21 PM - Post#2794121    
    In response to pvs409


I just reconfirmed that State Farm can ask for an apprisal on some cars and that apprisal must come from an expert in Classic Cars not from a regular non classic used car dealer. My local office said there are only 2 accepted appraisers from our area of 150,000 population 25 mile radius - One is a well known local Classic Car restoration shop and another person with 60 years experience is owning and restoring classic cars.

I think the cost is probably $ 150+ appraisal cost depending on the type of car and documentation for original cars.

Paul



Paul I use a specialty insurance for the 61’s and 62 because they are only shown, not tagged and I did have an appraisal “item”on the recent 61 SS car that you are familiar with. Due to the requested insurance coverage needed for it back when I got it they wanted an appraisal even though that had never been discussed on the other two. It seems there was no one anywhere in my area that could appraise it! So they requested several extra photos than the usual submission and they “appraised” it in house. So..... there is a new revenue maker for you a traveling 61&62 SS appraisaler.
Robert



 
RetiredLE 
Newbie
Posts: 4

Reg: 04-11-20
05-22-20 10:27 AM - Post#2794483    
    In response to rstreet

I have State Farm. No requirements just give them a description and the VIN.

My vehicle is a 1970 El Camino SS396.

But then, I reside in rural eastern WA State so that might have something to do with it.



Edited by RetiredLE on 05-22-20 10:28 AM. Reason for edit: No reason given.

 
Chevrobert 
Valued Contributor
Posts: 3649

Loc: Braintree, Ma. USA
Reg: 06-14-08
05-22-20 10:53 PM - Post#2794522    
    In response to Adam63impala

I have had Grundy for at least
12 years with no problems of any kind.

Bob
'64 Impala SS
'77 Pontiac Ventura SJ
'85 Lincoln Town Car
Ain't to proud to think out loud.


 


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