Real World Hagerty Collector Car Insurance Claim Experience

Wrecked Classic Car

Cley from YouTube channel My next project! recounts his experience of how things went with his Hagerty classic car insurance claim after hitting a deer with his 1974 Plymouth Duster. He produced this video over the course of several months as the process unfolded and offers his and his honest opinion along the way.

Editor’s Note: This video and article are in no way sponsored by Hagerty.

How is classic car insurance different from regular car insurance?

Classic car insurance offers some key benefits compared to daily driver or “regular” insurance.

Lower premiums

We understand their car is a prized passion and will be driven with great caution, so we adjust the premiums accordingly—39% lower on average than daily driver insurance. With a daily driver insurance policy, their classic may be rated like a regular-use vehicle, and your client will be charged as if your client were driving the vehicle every day.

Guaranteed Value

More commonly known as “agreed value” coverage, it means your client tell us the value of their classic and we’ll affirm that it’s a fair, accurate number. Then, we guarantee that value will be paid to your client in the event of a covered total loss. Regular car insurance carriers offer “actual cash value” or “stated value” coverage, which may depreciate the value of their vehicle in the event of a claim, resulting in a smaller payout than your client anticipate.

No fixed mileage

Our policy allows your client flexible usage—with no fixed mileage limits. Even if your client have full coverage through a regular car insurance carrier, there may be mileage and usage restrictions to control how and when their classic is driven.

Learn more at (Not Sponsored)