DENIED by Haggerty AGAIN for 2nd Year! [SOLUTION!!!]

[joflaig]

I had too many speeding tickets a year ago and they wouldn't cover me so I went with Progressive because i was running out of time and the car was in the shop the whole year anyway. Progressive does not do agreed value and told me on the phone they go by the NADA/Blue Book. They also seemed to say they don't care about custom mods and their value. Anyway, I have to switch to classic car insurance so I can get the agreed upon value by Jan 1.

So I called Haggerty. Unfortunately, they still have all my info in their computer. At this point I have had only 1 ticket in the last 3 years now. They asked if I would race. I said some car shows do events where they let you race on the strip. Hmm, ok. The guy went to his boss. Then he came back and wanted to know if I was still paying off a loan for the car, which is true. Well then, guess what: we can't over you. They said for me to check back in a year when I don't have any tickets for a 3 year period and then they might, maybe, consider covinging me.

So I called American Collectors Insurance. They gave me an agreed value quote that was the same cost as what i pay now for Progressive. I will find out tomorrow if they will take me once they've run their DMV check. They asked the usual questions about driving to work and RACING. Of course, I will take it to the track! I may even race once or twice. BUT I didn't say anything. Anyway, if they covered me and I wrecked it racing they have no liability so what do they care ultimately anyway. 

Anyone have luck with other good companies?

 

[472 R/T SE]

Good luck getting ANY insurance outfit to approve drag racing, even being legal.  As a matter of fact who legally covers drag racing anyways, anybody?

I lied cause regardless no one's gonna cover me if I admit to it.  So you gotta lie to get the coverage the rest of the time.

When I applied with Hagerty and talked to the gal on the phone she asked about if I had changed the motor and I was honest.  She said no problems.

[joflaig]

Good luck getting ANY insurance outfit to approve drag racing, even being legal.  As a matter of fact who legally covers drag racing anyways, anybody?

I lied cause regardless no one's gonna cover me if I admit to it.  So you gotta lie to get the coverage the rest of the time.

When I applied with Hagerty and talked to the gal on the phone she asked about if I had changed the motor and I was honest.  She said no problems.

They had drag racing down from a year ago in their system, they recorded it all. Once they get a whiff, even if you say just test and tune they say forget it. Which is why I couldn't hide from it with them, but I could lie with American. Hagarty did use the 512 engine as an excude as well.

[Sublime/Sixpack]

 I'm with Hagerty, and I don't remember them asking me if I race my cars. But then I have a good driving record, besides right there in the policy they make it very clear that the vehicles are not covered at race events. 
Sounds as though they're just a little worried that you'll be a risk.  Maybe American will come through for you.

[The70RT]

I'm with Hagerty, and I don't remember them asking me if I race my cars. But then I have a good driving record, besides right there in the policy they make it very clear that the vehicles are not covered at race events. 
Sounds as though they're just a little worried that you'll be a risk.  Maybe American will come through for you.

Yep, you beat me to it. I have Hagarty also.

[69charger2002]

yep. hagerty here as well. they even insured a 94 chevy truck i have!! guess my record is good, or they lke my business. either way, they never asked me if i race, or even the odometer on my cars. i love them
trav

[MoparSam]

Have you tried Grundy?

[RallyeMike]

Insurance companies are real fun. I was once canceled out of the blue in the early 90's, with a spotless record because of "your 74 Charger and our concerns about it's performance capabilities".  It's real fun shopping for insurance when you have been canceled. The only way I got insurance at reasonable rate again was to lie, and say I had never been canceled. What I'm getting at, though I hate to agree with what has already been said, is that you have to lie about your racing. Don't feel bad about it, the insurance companies already intend to screw you if you ever have a claim. Just consider it as negotiating on their level. You won't be covered if you wreck at the track, but that's a chance you take.

[joflaig]

Insurance companies are real fun. I was once canceled out of the blue in the early 90's, with a spotless record because of "your 74 Charger and our concerns about it's performance capabilities".  It's real fun shopping for insurance when you have been canceled. The only way I got insurance at reasonable rate again was to lie, and say I had never been canceled. What I'm getting at, though I hate to agree with what has already been said, is that you have to lie about your racing. Don't feel bad about it, the insurance companies already intend to screw you if you ever have a claim. Just consider it as negotiating on their level. You won't be covered if you wreck at the track, but that's a chance you take.

Well put. LIE to the bastards...but they will dinf your driving record. I guess I'll try Grundy too.

[joflaig]

 

Now I am denied by American Collectors Insurance and Heacock. Only Grundy says they policy permits two violations in 3 years, which is my situation. The others flatly will not. Now these were points violations. I had a couple others which I fought and ended up with 0 points, but I don't know if that matters. Without telling that to Grundy, they said their process was for me to send them my entire DMV record. WHAT A F'ing pain in the ass this is.

[Aero426]

The collector car insurers offer agreed values and low rates because they can select customers who they perceive to be low risk.  They want squeaky clean driving records,  generally unmodified cars, cars that are not raced, and cars that are not likely to be used as daily drivers.    The whole idea of taking your car to the track suggests to them that your car is "not really a collector car".   Because if it was, you wouldn't use it in that manner.   

I am not saying the above is my personal position, so don't shoot the messenger.   Their preferred customer is the guy who takes his car to a show once a month and puts it back under cover in the garage.

You might try State Farm which has what is called a stated value program.    That's not nearly as good as agreed value, but for now, it might work better for you. 

[joflaig]

The collector car insurers offer agreed values and low rates because they can select customers who they perceive to be low risk.  They want squeaky clean driving records,  generally unmodified cars, cars that are not raced, and cars that are not likely to be used as daily drivers.  The whole idea of taking your car to the track suggests to them that your car is "not really a collector car".   Because if it was, you wouldn't use it in that manner.   

I am not saying the above is my personal position, so don't shoot the messenger.   Their preferred customer is the guy who takes his car to a show once a month and puts it back under cover in the garage.

You might try State Farm which has what is called a stated value program.    That's not nearly as good as agreed value, but for now, it might work better for you. 

Yeah, what a nightmare this has been. My record in the last 3 years, which is all they consider is one minor speeding ticket and one stop sign violation. That's it. Other than that I have to tell them the car is modified. I have not mentioned racing AT ALL. I did have to be honest about the functional 4-point roll cage (some asked s`epecifically), which is a mod and something they are very weary of. If I lied about it and had an accident they would see it right there in the fricken car.

Here's what the results are so far:

Condons kelly:
DENIED ON DRIVER's RECORD, ONLY 1 MINOR VIOLATION IN 3 YEARS ALLOWED

LeLand West:
DENIED BECAUSE OF ROLL CAGE

jC Taylor:
DENIED BECAUSE OF ROLL CAGE
They also require a new appraisal over the current one and for anything about bluebook of that car (at about 50k)

Grundy:
DENIED for driving records

heacock:
DENIED (1 violation in 3 years ok or 2 in 5)

American Collectors Insurance:
DENIED

Sneed:
Actually, waiting to hear back, probably will be denied.

State Farm sounds promising. I am going to speak to the agent again tomorrow now that he has all my info. My current provider, Progressive, finally seemed to say they would do agreed value if they had the original appraisal showing the old value (it's worth more now!). So we'll see what happens. 

[69bronzeT5]

Denied because of a roll cage?  Did you tell them it's a frickin' General Lee!

[joflaig]

Denied because of a roll cage?  Did you tell them it's a frickin' General Lee!

Most GLs roll "bars" are cosmetic. This thing is the real deal, and I don't plan to keep it a GL after next year. I may even turn it from a 4 to an 8 point at some time too.

[MoparSam]

Whatever you do just stay clear of Farm Bureau 'cause they don't mind taking payments, but they won't pay up.  In fact I believe they're the worst in the state (found out later).  My brother's '79 D-100 Adventurer is sitting at the barn totalled since February '08.  They just want to pay book value for it and it was completely restored with at least 10k worth of work done to it.

[joflaig]

Whatever you do just stay clear of Farm Bureau 'cause they don't mind taking payments, but they won't pay up.  In fact I believe they're the worst in the state (found out later).  My brother's '79 D-100 Adventurer is sitting at the barn totalled since Feburary '08.  They just want to pay book value for it and it was completly restored with at least 10k worth of work done to it.

You mean State Farm? Other say they are good for classics? 

[MoparSam]

No it's Farm Bureau, maybe they're just in North Carolina.

[moparguy01]

i have american family and havent had any trouble with them at all, even on my agreed value policy for the charger, which also has a roll bar in it.

[Charger74]

Must be there, since I work for them in IT here in Iowa.  I know we don't have a problem paying out claims, we're just expensive.

[Aero426]

i have american family and havent had any trouble with them at all, even on my agreed value policy for the charger, which also has a roll bar in it.

American Family and State Farm do not have an agreed value policy.   They have stated value which pays actual cash value "up to" the stated value.   It's better than nothing, but not really the same as what you get with a Hagerty type agreed value policy.    With agreed value, the dollar amount in the case of a total loss is guaranteed. 

[joflaig]

Just got off the phone with State Farm. They do offer agreed value just like a classic car insurer, HOWEVER, it is only offered on cars licensed with antique or classic plates and can only be used for shows and parades and literally nothing else...no pleasure driving.

Luckily, I had an apraisal done on the car when I got it. I geve it to Progressive. What they said was so long as the car has not been damaged since the apraisal resulting in lost value at the time of a total lost, fire, stolen or accident then the adjuster would go off the appraisal value. Of course, this is the sales person talking and I am getting this all in writing so I can see it on paper. I don't want to be cynical and assume they would try and screw me...but I am stuck with Progressive. If don't get another ticket in the next year I can probably finally switch to a classic car insurer. I have learned alot about each one.

My advice: get a radar detector, don't get tickets and as you improve your car always get new appraisals. These non-classic car companies need hard legal documentation.

[joflaig]

YIPEE, I finally found a classic car insurer who covered me despite modifications and my driving record AND all for $539 a year with an agreed value policy based on an apraisal.

Their policy even states they will cover cars with roll cages and 5- point harnesses, subject to the underwriter, and NOT flat out exclude having those things like so many other companies.

They even have in their policy a line saying they understand car events are held at drag strips and cover damage at such events even when you are not racing. Obivously, racing is not covered, nor did I say I would do it.

The company is AMERICAN MODERN INSURANCE (http://amig.com). Apperently, AON used to do classic car coverage and this company took over those books. All I can say is they were very throuough and even demanded pictures of the inside and outside of the garage where the car is stored plus tons pics of the car itself. I would have had to pay over $2000 a year to keep going with those #$@%$%#$* Progressive bastards.

[Sublime/Sixpack]

Sounds like a good company to know of.

[BigBlockSam]

The company is AMERICAN MODERN INSURANCE

that's the company i use . very good customer service. 

[joflaig]

The company is AMERICAN MODERN INSURANCE

that's the company i use . very good customer service. 

After trying EVERY FRICKEN company and being denied, this was the last one. You have no idea how relieved I am, saving so much. I can pay for the OD unit now for sure.