How much insurance?

[scottyrocks]

[vwracerdave]

Some of you guys just don't get the scam of auto insurance. Hagerty doesn't give a damn about your VW that you think is worth $20,000. They must pay for the $75,000 SUV that You fuck up in an accident and the $100,000 of medical bills for the occupants of that SUV.
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2017 Street Comp Champion - Thunder Valley Raceway Park - Noble, OK
2010 Sportsman ET Champion - Mid-America Dragway - Arkansas City, KS
1997 Sportsman ET Champion - Thunder Valley Raceway Park - Noble ,OK

[scottyrocks]

In some ways it IS a scam. But in other ways it's not.

Very few of us have the money lying around to compensate other folks who may be injured in an accident that we may have caused. Insurance is sort of a bank account for that purpose, if you will. The only downside is that you never get the money back if you don't need it for that purpose. Life is a gamble.

The other factor that helps me to not be concerned about my VW's insurance is that compared to what I pay for each of the modern daily drivers I am responsible for, what I pay for the VW is negligible, and I can very easily live with that.
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“If you care for a thing long enough, it takes on a life of its own, doesn't it? Mending old things, preserving them, looking after them – on some level there's no rational grounds for it.”
– D. Tartt, 'The Goldfinch'

[esde]

[esde]

[my59]

[Abscate]

Paying $500 every year for a best payout of 12k is insane, and insanely good business for the insurer
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.ssS!

[oprn]

Hey! They are not there to make friends! Get that thought cleared up and out of the way!
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We had the stone age, the bronze age, the industrial age and now we are in the age of mass deception and mind control for corporate profit. (The mass media age)

[Buggeee]

Adding a second, or more, to your Hagerty policy is the best thing you can do for your premiums. For some reason, at one point, it cost less to insure two than it would for one. Whenever I call to add a new adoption I am stunned by the small change I'm the overall premium.

I had a deer hit a custom conversion van and Hargerty's adjuster knew all about paint stripes rather than vinyl stripes, vain efforts to match metallic on the same panel due to the way the flakes lay when sprayed, etc., etc., adjusted the claim accordingly and I was very pleased with their service.

A friend of mine had some kind of so-called "classic" coverage from one of the regular name brand companies. Someone damaged his car in an accident and he lost his mind fighting about the adjusting for many months because they first wanted him to chase the other guys insurance and then when he insisted, his own insurer shot out a quick collision adjustment estimate as if it was a solid-color commuter car without even seeing the car, sent him the check for that, and wanted to close the file. It was a fraction of what any competent shop was quoting him and nobody would touch the project for less than multiples of that amount.

As to agreed value, I have always described the vehicle, asked Hagerty what they thought, and they go do their research and come back in a minute with an amount that confirmed I just got a good deal on a car. Great experiences with that company.
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1966 Sportsmobile Camper https://www.thesamba.com/vw/forum/viewtopic.php?t=...mp;start=0
72 Super Duper http://www.thesamba.com/vw/forum/viewtopic.php?t=672387
(adopted out) 61 Turkis Pile https://www.thesamba.com/vw/forum/viewtopic.php?t=728764

[iowegian]

[esde]

[vwracerdave]

[esde]

Dave, you seem to have a bone to pick with insurance in general.
And, for some points I would agree that insurance policies can be a scam and not cover many things we are led to believe are. Surely, if we are not "at fault" in an accident, the other drivers insurance is supposed to pay for the repairs (and vice versa)
The nice thing about Hagerty policies, from what I have witnessed personally
-A clients car was hit by a drone last year, when it crashed at a show. The owner of the drone dodged efforts to recoup damage costs. Hagerty covered the paint and body repair to the tune of 8k.
-Several cars flood damaged while in storage at a local warehouse. Water 2+ feet deep. The one car with a Hagerty policy was a total loss and I heard they paid the stated value. The other owners are still chasing the responsible utility for any claims.
-My cars are fully covered. Doesn't matter if its totaled on the road, scratched at a show, if mice eat the upholstery, or if a tornado launches it into the next county. Where else are you going to find a better deal?
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modok wrote:
Bent cranks are silent but gather no moss. I mean, ah, something like that.

[EverettB]

There are normal insurance policies that cover multiple cars, meaning you have more cars than drivers in the household. It's cheaper than fully insuring all 3 since Yes you can only drive 1 at a time.

You have to call to say which one you are driving for a while though.

I don't have one so I can't give you a reference but I know my brother had that when he had multiple daily driver VWs.

I agree insurance should follow the driver and not the car.
I've had an insurance issue because of this with someone who caused an accident - part of the issue was they were driving someone else's car.
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[67ctbug]

[vwracerdave]

[oprn]

[iowegian]

Back to collector car insurance: Hagerty does indeed charge only one premium that covers liability for ALL of the cars on the policy They must figure that you only drive one at a time. Then you add individual collision/ comprehensive coverage for each collector car that is named on the policy. At least that's how I read my policy.

[vwracerdave]

[iowegian]