I hit a pot hole yesterday made me do a 180 then just start rolling down the hill. Just a few bruises but super heart broken. I owe my life to that thing right now.
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Wow! You're OK!?!?
That's amazing, and super-great news. Stuff can be replaced. I'm so grateful you are OK.
Dang - glad you are okay! It held together amazingly well - like an eggshell. I guess (with you as yolk)!
Wow @OCC I'm glad you're not injured. We talk a lot on here about how dangerous these cars would be in a roll-over and it looks like you beat the odds.
Wow .... Glad you walked away .....How did that happen?
I’m happy to hear you are no worse for the wear…you may feel it in a few days though!
Glad to hear you are ok. I was thinking about going without a roll bar on my build. Think I might reconsider.
@550 Phil posted:Glad to hear you are ok. I was thinking about going without a roll bar on my build. Think I might reconsider.
Good thinking, Phil. An integral roll bar is one more piece of insurance in these flimsy cars.
Glad the poster is okay.
Wow, that is amazing you are unhurt except for bruises. Glad you're ok.
Wow !! Glad you made it out without injuries. It could have been a whole lot worse for sure. I rolled my sandrail once and know you will be sore in a few days. I had a full roll cage and was belted in. Still only suffered an ear full of sand and some broker lights on my light bar. Your car body looks like it took the rollover without much damage which is a surprise to me. Must be tuff stuff or just lucky.
Wow- glad that you're ok! As said, the Speedster can be fixed or replaced.
Ouch!.....glad your OK! (very lucky!)....now another project begins....
@OCC WOW!...that's RAD.... SH-T happens very quickly....usually when least expected....very lucky to walk away unscathed.....another reason i went with a coupe....just IMHO @Butcher Boy i rolled a RAZOR at glamis on a very BIG DUNE... not sure , but about ten tumbles of '"earth/sky/earth/sky".... to the bottom ...let go of the wheel and crossed my arms....came to rest upside down with motor still running.....calmly said to myself "guess we don't need that at the moment" and reached up to turn off the key...so i know the feeling.....sand is pretty soft,so only damage... popped the tire bead on one wheel....flipped it back on it's wheels drove it back to the camp....like a wise man once said... "sometimes better to be more lucky than good" 
@Bob: IM S6 posted:Good thinking, Phil. An integral roll bar is one more piece of insurance in these flimsy cars.
Glad the poster is okay.
Probably also adds some torsional rigidity.
I am astounded that you're OK. And equally astounded that the car protected you and survived, more or less intact, as well as it did.
You are one very lucky driver and I'm so very glad that you're still with us.
Really glad and amazed that you are OK. Now the question is did you have a stated value collector car policy?
Glad you are OK. Hopefully you have an agreed value policy and this is an easy payout.
-=theron
Glad you came up ok. Is that a problem in pan based speedsters, the hitting potholes sending the car into a uncontrollable situation ? Ive hit bumps, dips, potholes,debris, and never had a control issue in my Beck?
@LeadPedal posted:Glad you came up ok. Is that a problem in pan based speedsters, the hitting potholes sending the car into a uncontrollable situation ? Ive hit bumps, dips, potholes,debris, and never had a control issue in my Beck?
If a pan based Speedster is well sorted I don't see it being a problem more than any other car.
@LeadPedal posted:Glad you came up ok. Is that a problem in pan based speedsters, the hitting potholes sending the car into a uncontrollable situation ? Ive hit bumps, dips, potholes,debris, and never had a control issue in my Beck?
This is a California pothole which is different than anywhere else in the nation. Even though every gas buying resident of this state pays thousands in fuel taxes every year we have some of the worst roads anywhere. The grand canyon was so named because of its grand enormity. That would accurately describe the potholes in this state.
Scott,
We were just talking a few days ago and now this happens. I am extremely glad to hear that you are okay and although it sounds like you came away without serious injury you're going to feel it in a few days if not already. Your Speedster was beautiful and I know it brought you and your dad closer and it provided a great deal of joy driving it around together. As others have said, it's an item and can be replaced. Knowing you're still here is great news.
It's a good thing you're as short as you are, not Gordon Nichols short, but short. It probably helped in limiting your injuries since your head wasn't a foot over the windshield. I say this in jest but with a bit of seriousness too. Really glad you're okay.
Now, about that pothole. Sue the city for not fixing it or the state if it was on the freeway. The neglect of our streets and freeways has to stop.
Stated Value correction .... "Agreed Value" is what you want to have on your policy as both the Insurer and you the Insured, agree on as a amount payable at the time the policy is generated
Stated Valve is simply that, a stated value by you the Insured but, the Insurer will average current values to arrive at an actual cash value (ACV) and that's all you get.
@Alan Merklin posted:" Agreed Value" is what you want to have on your policy as both the Insurer and you the Insured agree on an amount payable.
Stated Valve is simply that, a stated value by the Insured aka you but the Insurer will average current values to arrive at an actual cash value aka ACV. and that's all you get.
Just show them the BaT sales for the past year and you'll be fine either way. You just need to show what they're selling for.
I did that with a trailer years and years ago. They tried to give me a $1K but I showed the trailer I had sold on average for twice that and they paid it.
@Alan Merklin posted:Stated Value correction .... "Agreed Value" is what you want to have on your policy as both the Insurer and you the Insured, agree on as a amount payable at the time the policy is generated
Stated Valve is simply that, a stated value by you the Insured but, the Insurer will average current values to arrive at an actual cash value (ACV) and that's all you get.
I get confused with these, proved with my question.
Would Stated Value pay out what current market value is to replace the vehicle?
Or, is it only what the Insurance company decides to pay?
I thought Agreed Value is what you initially paid for the vehicle?
As per Hagerty's site:
Stated Value is based what you originally paid, less "depreciation".
Agreed Value is what you and the insurer agree it's worth, period.
@OCC did you remain in the car as it rolled? what kind of restraints were you using?
I hope you are doing well. I can only imagine.
@Stan Galat posted:As per Hagerty's site:
Stated Value is based what you originally paid, less "depreciation".
Agreed Value is what you and the insurer agree it's worth, period.
Therein lies the issue as of late. The cars that were built in the past twenty years have all appreciated not depreciated. I think if someone were to have stated value at this time all they would have to do would be to show how much the cars are currently selling for as of today. Based on that you could easily recoup the money that was spent on the car when it was first purchased.
Buy a Honda for $30K and wreck it in a couple years the insurance company is going to use KBB values to determine what the car is worth. KBB has been keeping up with car values fairly well especially considering how much used cars are selling for today.
KBB won't have a value for a specialty car like ours so I would fathom a guess that you could use current sales of like cars to determine a value. You could research PCar Market, BaT, and Cars and Bids to come up with a value if you had stated value and the insurance company tries to lowball you.
Probably true, Robert - but I've dealt with adjusters before when they lowballed (or denied) my claim. Most of them are decent enough guys, but they REALLY hate paying claims.
I'd rather not fight when it's easy to just buy the right product to start with.
@Alan Merklin posted:Stated Value correction .... "Agreed Value" is what you want to have on your policy as both the Insurer and you the Insured, agree on as a amount payable at the time the policy is generated
Stated Valve is simply that, a stated value by you the Insured but, the Insurer will average current values to arrive at an actual cash value (ACV) and that's all you get.
Thanks for correcting me, I know that and have been preaching "Agreed Value" for years vs "Stated Value". Brain fart moment!
@Stan Galat posted:Probably true, Robert - but I've dealt with adjusters before when they lowballed (or denied) my claim. Most of them are decent enough guys, but they REALLY hate paying claims.
I'd rather not fight when it's easy to just buy the right product to start with.
"I'm not an expert on roofing, I'm an expert on policy"
https://youtu.be/mhVOfRuiLCU
@americanworkmule posted:"I'm not an expert on roofing, I'm an expert on policy"
https://youtu.be/mhVOfRuiLCU
Exactly.
@Robert M, @Troy hey guys thanks for the comments. I do have hagery and it say gaurenteed for $38k. This is my first time getting a pay out. They already asked to come take the care away and seemed like there ready to cut the check for the 38k. I did only pay lil more then half of that but I see to get exactly what had would be closer to $60k so how now. Any advice or comments would be much appreciated.
Thanks guys the car was a vintage speedster built in 2013. I drove it like a bat out of hell and never had any problem as after yesterday made me think alot. My back left tire hit a pot hole on a fwy transfer ramp it made the car do a 180 which I think the pot hole blew the tire out then it just started to flip/roll on the driver side from the speed and there happen to be that hill there but at some point the car did another 180 and flip back up right going in the same direction. The people that stopped expressed they thought I was dead as they watched it happen. I do belive in God and am thankful.
Hagerty is agreed value. This is the insurance you want. You and Hagerty agreed that the car was worth 38k, that is what they will pay. You probably should have increased you agreed value the last couple of years, as values have gone way up.
Last week Hagerty sent me an email saying that I should increase the value on my 3 antique motorbikes I have insured with them, as their value has increased over the last several years. Maybe I should take them up on that!
Thanks @li_rick any chance you know if there's ways around to get more?
Exactly what he just said.
@OCC posted:Thanks guys the car was a vintage speedster built in 2013. I drove it like a bat out of hell and never had any problem as after yesterday made me think alot. My back left tire hit a pot hole on a fwy transfer ramp it made the car do a 180 which I think the pot hole blew the tire out then it just started to flip/roll on the driver side from the speed and there happen to be that hill there but at some point the car did another 180 and flip back up right going in the same direction. The people that stopped expressed they thought I was dead as they watched it happen. I do belive in God and am thankful.
Scott. With that kind of luck I suggest you go buy some lottery tickets!
@OCC Glad you are okay. Everything in life is replaceable, except people. I’m really sorry.
Thanks guys!