Alyssa Lane
Hagerty is an insurance company that specializes in classic and collector vehicle insurance. They offer their services in all 50 states, including Florida, where they have been insuring classic cars for over 30 years. Hagerty's policies differ from standard insurance in that they determine eligibility based on the accumulation of all risk characteristics related to their program guidelines. They allow the use of collector vehicles for club functions, exhibitions, and occasional pleasure driving, but not as a daily driver. Hagerty provides low-cost coverage and uses industry-leading tools to determine the true value of classic cars, offering agreed-upon value policies that guarantee payment in the event of a total loss.
| Characteristics | Values |
|---|---|
| Type of insurance | Classic car insurance |
| Coverage | All 50 states |
| Usage | Collector vehicles cannot be used for daily driving |
| Mileage | Up to 7,500 miles per year may be considered |
| Storage | Enclosed, secure structure such as a private garage, pole barn, or storage unit |
| Risk acceptance | Determined by Hagerty |
| Claims process | Online or by phone with a 1-day response time and 15-day payment time |
| Value determination | Hagerty uses industry-leading tools to determine the true value of the vehicle |
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What You'll Learn
Hagerty offers classic car insurance in Florida
Hagerty's insurance policies are flexible, and the company uses its industry-leading tools to determine the true value of your classic car. It then creates an agreed value policy, guaranteeing that you will receive the full insured amount in the event of a covered total loss. This is in contrast to a stated value policy, where the insurer has the right to pay either the depreciated cash value amount or the replacement cost, choosing the lower amount.
Hagerty's policies are underwritten by Essentia Insurance Company, Drivers Edge Insurance Company, or other insurance carriers listed on its website. The company determines eligibility based on the accumulation of all risk characteristics related to its program guidelines. It encourages liability limits to be less than or equal to the limits carried on the Personal Auto Policy (PAP). If a Florida applicant does not have a PAP, Hagerty can consider Business Auto Policies (BAP) with the appropriate personal liability endorsements.
Hagerty's insurance claims process is designed to be easy, with representatives available seven days a week and same-day turnarounds on glass claims. The company maintains an extensive list of resources for hard-to-find replacement parts and can help you find a great deal on a classic car that is available for sale.
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Hagerty insurance covers occasional pleasure driving
Hagerty offers classic car insurance in all 50 states, including Florida. Their policies allow for occasional pleasure driving, meaning you can take your classic car for a spin on a beautiful day, go for ice cream, or attend club events and shows. However, it's important to note that Hagerty's coverage does not extend to daily driving, such as commuting to work or running routine errands.
Hagerty specializes in protecting classic and collector vehicles, including cars, boats, and motorcycles. Their policies are tailored for enthusiasts who don't drive their classic cars every day. By focusing on this niche market, Hagerty can offer better coverage at significantly lower prices than standard insurers.
When it comes to eligibility, Hagerty's guidelines differ from standard insurance. They don't assign a price for every type of risk but instead determine eligibility based on the accumulation of all risk characteristics related to their program guidelines. This allows them to provide low-cost, Guaranteed Value coverage, which guarantees that you will receive the full insured value of your vehicle in the event of a covered total loss.
In terms of usage and mileage, Hagerty's policies offer flexibility. While they prefer that collector vehicles are stored in enclosed, secure structures when not in use, they will consider other storage options as well. Mileage of 3,500 or less is generally consistent with collectible vehicles, and mileage up to 7,500 may be considered. Additionally, Hagerty offers the Hagerty Drivers Club, which includes emergency roadside assistance and benefits such as exclusive events and driving tours.
Hagerty has been insuring classic cars in Florida for over 30 years, and their policies are designed to meet the unique needs of classic car owners in the state. With Hagerty, Florida residents can enjoy their classic cars along the Atlantic coast, in the Florida Keys, or at various events and cruises throughout the state.
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Hagerty insurance eligibility requirements in Florida
Hagerty offers classic car insurance in all 50 states, including Florida. The company has been insuring classic cars in Florida for over 30 years.
Hagerty's eligibility guidelines for insurance are based on the accumulation of all risk characteristics related to their program guidelines. The company encourages liability limits to be less than or equal to the limits carried on the Personal Auto Policy (PAP). If a Florida applicant does not have a Personal Auto Policy, Hagerty can consider Business Auto Policies (BAP) with the appropriate personal liability endorsements attached (Drive Other Car (DOC) or Individual Named Insured (INI)).
Hagerty does not provide a price for every type of risk and does not cover certain vehicles due to how they are used and the increased risk associated. For example, collector vehicles cannot be used as a daily driver. However, regular driving to work and/or for errands up to 5 months a year as a Seasonal Driver may be considered. Mileage of 3,500 or less is generally considered consistent with operating vehicles that have collectible value, while mileage up to 7,500 may be considered. Collector vehicles can be used for club functions, exhibitions, organized meets, and tours.
Hagerty offers protection for collector car lovers who want the freedom to take the road less traveled in a classic car that isn't driven every day. The company uses industry-leading tools to help determine the true value of a classic or collector car, creating an agreed-upon value policy that guarantees payment of the car's insured value in the event of a covered total loss.
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Hagerty insurance claims process
Hagerty offers classic car insurance in all 50 states, including Florida. The company has been insuring classic cars in Florida for over 30 years. Hagerty's insurance policies are tailor-made for the occasional Florida drive, with no fixed mileage restrictions.
Hagerty's insurance claims process is designed to be easy and efficient, with experts on hand to answer questions and expedite the process. Customers can choose to call or file their claims online. The company promises to respond to online claims within 1 business day and to pay out on most claims within 15 days of the report.
Hagerty's adjusters have hands-on restoration experience, and its in-house parts specialists will help track down any replacement parts needed for repairs. Customers can choose where their vehicle is restored and even opt to carry out the repairs themselves, with Hagerty providing payment. If the cost of repairs exceeds the initial payment, customers can contact Hagerty, who will attempt to recover the deductible to reimburse the customer.
Hagerty's claims department can be reached 24 hours a day, 7 days a week, 365 days a year, at 888-310-8020. The department can also be contacted by fax at 231-941-8227 or by email at [email protected] during regular business hours, Monday to Friday, 8 am to 8 pm EST, Saturday, 8:30 am to 4:30 pm EST, and Sunday, 12 pm to 4 pm EST.
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Hagerty insurance customer reviews
Hagerty offers classic car insurance in all 50 states, including Florida. The company has been insuring classic cars in Florida for over 30 years. Hagerty's insurance policies are tailor-made for the occasional Florida drive, with no fixed mileage restrictions.
Hagerty insurance has received mixed reviews from its customers. While some customers have praised the company for its excellent assistance with regards to valuing classic cars, courteous and responsive customer service, and efficient claims handling, others have criticised the company for poor customer service, failure to respond to claims, and being fraudulent.
One customer wrote,
> "Good value for the insurance is important, but I believe that the most important reason that I would [recommend Hagerty] is that Hagerty provides excellent assistance with regards to valuing a classic car. The several times I have updated my car's valuation, I have come to respect the comments and suggestions of the Hagerty representatives that I have spoken to. So, as a result, I have recommended Hagerty to several car collectors, and will continue to do so."
Another customer praised Hagerty's customer service, stating,
> "I've honestly had nothing but enjoyment using Hagerty's customer service they're usually always professional and quick with what I need done."
However, some customers have had negative experiences with the company. One customer wrote,
> "I have been a loyal customer for decades. I finally realized that the place restoring my car has obliterated it. I reported it to the police and filed a claim with Hagerty. Almost 11 months have gone by and they have done nothing. They just sent me a renewal for my insurance-- PLEASE! If you want to be ripped off, go with Hagerty."
Another customer expressed similar concerns, stating that Hagerty never responded to their calls or messages regarding a claim. They wrote,
> "You'll never get a[n] email [or] a return call or anything in response to any left messages. These people do not call the insured back... When paying the bill or adding a unit things are a ray of sunshine. But the minute you get claims involved the true colors show."
Overall, Hagerty insurance has received mixed reviews from its customers, with some praising the company for its excellent customer service and claims handling, while others have criticised the company for poor customer service, failure to respond to claims, and being fraudulent.
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Frequently asked questions
Yes, Hagerty offers classic car insurance in all 50 states, including Florida.
Hagerty insurance in Florida covers occasional pleasure driving, club functions, exhibitions, organised meets, and tours. It does not cover daily driving.
You can get a Hagerty insurance quote in Florida by getting an online quote or calling an agent.
