Just the mention of the name "Hagerty" brings back bad memories for me. I applied for coverage with them, and once I got down to the fine print on the policy, it seemed as though the only thing it covered was damage to the car, while in a locked garage, or on the way to a club event. They claim to afford coverage for some 'casual driving' but then exclude anything for which your primary car could have been used. What the heck does that mean? I suppose you could even use your primary car to go to a club event - although it would be like going to the prom without a date -- but you could do it. A drive around the block could be in a primary vehicle too. It's like lending you an umbrella but forbidding you to use it if it is even cloudy outside. I was more concerned about them disclaiming coverage for a liability claim. Collision claims I could fight over, but a liability claim without coverage is a potential disaster. And, the people at Hagerty had a real attitude problem when it came to actually discussing the details of the coverage you're buying. Go with a regular insurance company, and a stated value for the car. It's a lot more money, but I like the peace of mind.
