Hagerty lowball

I am going to have to paint the whole car and buy new big bore pipes

Take it to a shop that they recommend and have it repaired. If the match is unacceptable, I would ask Hagarty to send out the appraiser again and reevaluate.

I am sorry to say; however, it is naive for you to think any insurance company will pay for repaint of the whole car. Paint matching techniques are very good by professionals today.

I agree when it comes to color matching that it can be done but with a new painted front end and rear corner you will definitely be able to tell the difference . I am not naïve but would like to see the car in the same condition it was before the damage. If this was an everyday transportation car no problem or a freshly painted car it could be matched.

Let me make sure I go this right...

You accepted a check from the insurance company based only on the adjusters estimate? Did you take the car to at least two reputable shops for estimates / opinions on best approach?

I went to 3 shops in my area none of them would give me an estimate 2 didn't want to do the car 1 shop said let us know what hagerty estimate says we will go from there. They sent the check I did not agree to the amount. I am just going to pay for the paint job I guess. I sent them an invoice and pics of damaged big bore pipes I hope they at least pay for them. Not trying to rip anyone off folks. just want the car done right.

I have worked with Hagerty many times and what they are paying for is based on a preliminary estimate. If the exhaust cost is more than on the estimate.... The shop needs to submit the invoice to Hagerty for a "parts price increase". As far as matching color... No problem. There is no way around the fact that new paint will have a higher gloss than the old finish. Buffing of the adjacent panels to increase luster is all they will likely pay for.
By law you have the choice of shop, and no insurance company can tell you where to have your car fixed. I hope you can find the shop that meets your expectations.

My point exactly hagerty classic car insurance is no different than regular car insurance. I will have the car painted to fix it right. Its like polishing two rims instead of all four you will notice it. If they had honest adjusters who took the time and had the knowledge they would get the damage right the first time instead of delaying you and admitting they lowballed the estimate and omitted damage.

Just send back the cheque and take the car to any of the at least 4 recognized Pantera shops nearby you. Have them make a proper estimate and send to Hagerty. It's the only way to get the job done right the first time.

Thanks everyone for your input

Hagerty has been good about issuing subsequent check(s) for additional work.

If the field adjuster came to your house, you will probably get a low number. Meeting the adjuster at the body shop will usually result in a higher number.

Either way, the field adjuster has to send the report to corporate, where it is tweaked (usually lower).

If the body shop finds additional "damage" or "costs" higher than estimated after the work is started, an invoice or estimate is sent to Hagerty and they will cut you another check. This can usually be done several times.

The last page of your priced estimate from Hagerty should have a statement about "supplementals".

John

Just as a foot note. If it wasn't for Hagerty and others there would be NO insurance for our old cars to cover what they are worth. So, yes they are just like any insurance company trying not to pay anything out. At least there is an option.

They are doing us a favor by being a customer