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Reply to "Appraisal for insurance"

quote:
I also seem to remember hearing that Hagerty now kinda accept that occasionally you will take your car to work to show off to your gearhead buddies. It would be worth checking with them their stance on that. Please report your findings back here!

There are no such restrictions in my Hagerty policy here in Texas. (Policies can be different in each state to reflect the local state's insurance regs, so make sure you check for your state.) In fact Hagerty was using that as a real benefit for going with them. There are a lot of collector car policies that have restrictions on when and where you can drive the car, some that even say the car can never be out of your sight. These are ridiculously inappropriate for a driver's car like the Pantera. On the same note, some states like Texas offer special license plates for collector cars over a certain age limit that have similar driving restrictions, ie, only to parades and club events, etc.

Make sure you know what you are getting. Insurance is a contract and it's one of those things in life that you absolutely have to depend on when you need it. If an insurance company finds an out where you have violated the contract, they don't pay. At that point, all your personal assets are at risk if you get sued because of an accident. To me, it's not something I would risk just to save a few dollars.

I'll get off my soapbox now.
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