Hagerty Insurance: Unraveling The Home And Auto Insurance Conundrum

Hagerty is a specialty insurance company that provides coverage for classic, collector, and exotic vehicles. The company was founded in 1984 by Frank and Louise Hagerty, initially offering insurance for boats. In 1991, Hagerty expanded its coverage to include classic cars and has since become the leading insurance company for classic and historic vehicles. Hagerty offers protection for vehicles that are not driven daily, including collector cars, classic cars, motorcycles, scooters, and military vehicles. The company provides a range of coverage options, including guaranteed value coverage, spare parts coverage, and auto show medical reimbursement. In addition to insurance, Hagerty also offers roadside assistance, valuation tools, and resources for owning and maintaining classic vehicles.

Hagerty's insurance coverage for classic and collector vehicles

Hagerty is a niche insurance agency that has evolved into an automotive lifestyle brand focused on the love of cars and driving. The company offers classic car insurance in all 50 states, protecting collectibles as if they were its own. Hagerty's classic car insurance covers vehicles that are not driven daily, including collector cars, trucks, SUVs, motorcycles, scooters, motorsports vehicles, tractors, military vehicles, and more.

Hagerty's classic car insurance provides protection for collector car lovers who want the freedom to take their classic cars on the road less travelled. 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 full payment of the car's insured value in the event of a covered total loss.

Hagerty's classic car insurance policies include unique coverages, such as instant new purchase coverage, spare parts coverage, and auto show medical reimbursement. The company also offers dedicated and efficient service, responding to online claims within 1 business day and paying most claims within 15 days. Policyholders can choose how and where their vehicle is restored and even opt to be paid to do the repairs themselves.

In addition to insurance, Hagerty offers a range of services for car lovers, including the Hagerty Drivers Club, which provides emergency roadside service, a magazine subscription, automotive discounts, and access to exclusive events. The company also has valuation tools, a community of trusted shops and services, and a selection of classic and collectible cars up for auction.

Hagerty's insurance for vehicles not used for daily driving

Hagerty is an insurance company that offers policies for classic and collector vehicles. Their policies are designed for vehicles that are not used for daily driving, such as commuting to work or school, or routine shopping. Instead, Hagerty's policies allow for occasional pleasure driving, such as club functions, exhibitions, organised meets, tours, and drives for fun.

Hagerty's policies are ideal for those who want to take their classic or collector car out for a spin without the high costs associated with standard insurance policies. The company uses industry-leading tools to determine the true value of these vehicles and offers an agreed-upon value policy, guaranteeing that the insured value will be paid out in the event of a covered total loss.

Hagerty provides coverage for a range of collector and classic vehicles, including cars, trucks, SUVs, motorcycles, scooters, and even vintage camper trailers. They also offer additional coverages, such as instant new purchase coverage, spare parts coverage, and auto show medical reimbursement.

To qualify for Hagerty's insurance, the vehicle must not be used for daily driving. Regular driving to work or for errands can be considered, but only up to five months a year as a Seasonal Driver. Additionally, Hagerty prefers that collector vehicles are stored in an enclosed, secure structure when not in use, such as a private garage, pole barn, or storage unit. They will, however, consider other storage types, including car hauling trailers and carports, as long as they meet certain security and access requirements.

Hagerty's insurance services are administered by Hagerty Insurance Agency, LLC, and are subject to eligibility and state availability.

Hagerty's insurance for vehicles stored in secure, enclosed structures

Hagerty offers insurance for classic and collector vehicles, including cars, trucks and SUVs, motorcycles and scooters, and even retired commercial vehicles. Their policies allow for occasional pleasure driving, including club functions, exhibitions, and organised meets and tours. However, these vehicles cannot be used as daily drivers.

Hagerty has a preference for collector vehicles to be stored in enclosed, secure structures when not in use, such as private garages, pole barns, car condos, or storage units. They will also consider other storage types, including carports and parking garages, as long as they meet certain security and access requirements. For example, they must have 24-hour security, limited access, and preferably assigned parking spaces.

In addition, Hagerty's collaborative repair selection allows customers to choose how and where their vehicle is restored, even offering to pay customers who prefer to perform the repairs themselves. Their unmatched collectible expertise means that all adjusters have hands-on restoration experience, and their in-house parts specialists will find every part needed for a repair.

Hagerty also provides business insurance coverage for storage facilities, customising insurance to meet the specialised needs of businesses storing classic and collector vehicles. Their storage policy pays out the true market value at the time of loss, relying on their vehicle and valuation expertise to determine accurate, up-to-date values.

Hagerty's insurance for vehicles with no serious driving infractions

Hagerty is an insurance company that provides coverage for classic and collectible vehicles. Their policies allow for the use of collector vehicles for club functions, exhibitions, organized meets, tours, and even occasional pleasure driving, as long as it is not the primary vehicle for daily driving.

Hagerty has specific guidelines for qualification for their insurance programs. They require that the vehicle is not used for regular driving to work or for errands, and the mileage is kept below 3,500 miles per year, with up to 7,500 miles being considered in some cases. They also prefer that collector vehicles are stored in enclosed, secure structures such as private garages or storage units when not in use, but they will consider other storage types, including car hauling trailers.

In most states, Hagerty can only offer coverage to drivers who have not had a serious driving infraction within the last three years. Serious infractions, as defined by Hagerty, include alcohol-related offenses and excessive speed violations. All household members with a valid driver's license must also have their own regular-use vehicle for daily driving, and applicants must maintain regular-use insurance in their names.

Hagerty's insurance coverage extends to a wide range of vehicles, including collector and classic cars, trucks, SUVs, motorcycles, scooters, motorsports vehicles, high-performance track days, and even vintage camper trailers. They also provide additional coverages such as instant new purchase coverage, spare parts coverage, and auto show medical reimbursement.

Overall, Hagerty's insurance is designed for enthusiasts who love their classic and collector vehicles and want to protect and enjoy them. By offering specialized coverage and considering various storage options, they provide a unique service for those passionate about their vehicles.

Hagerty's insurance for vehicles with licensed drivers

Hagerty is an insurance company that provides coverage for classic and collectible vehicles. Their policies are designed for car lovers who want to protect their vehicles and enjoy them at the same time. While Hagerty does not provide daily-use insurance, their policies allow for occasional pleasure driving, club functions, exhibitions, and organised tours.

Hagerty's insurance is ideal for licensed drivers with collector vehicles who want to take their cars to shows, races, or even just out for a fun drive. Their policies offer protection for a wide range of collector vehicles, including classic cars, collector trucks, SUVs, motorcycles, scooters, and motorsports vehicles. They even offer coverage for high-value vehicle collections, retired commercial vehicles, and vintage camper trailers.

One of the standout features of Hagerty's insurance is their agreed value policy. They work with you to determine the true value of your classic or collector car, and in the event of a covered total loss, they guarantee to pay the full insured value of your vehicle. This gives collectors peace of mind, knowing that their investment is protected.

In addition to their agreed value policy, Hagerty also offers a range of unique coverages tailored to the needs of collector vehicle owners. This includes instant new purchase coverage, spare parts coverage, and auto show medical reimbursement. They also provide 24/7 emergency roadside service through their Hagerty Drivers Club, giving members access to flatbed towing, real-time truck tracking, and unlimited service calls annually.

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