Hello,
I am currently trying to get the Haggerty insurance. They are balking
because I do not own another car. Its hard to convince someone that living
in SF you don't really need another car. I have an insured motorcycle but 90
percent of the time I ride a bicycle. It looks like they are going to turn me
down....that really sucks I hardly ever drive the darn thing.
Daniel 69 2000
SF CA
> As an insurance agent (retired) let me caution you:
> 1- The limited use policies (Haggerty/J C. Taylor/etc.) have restrictive
> language such as only for parades, shows and occasional pleasure rides. They
> specifically exclude driving to work, doing errands, etc. This is really
> collector car insurance. If you take road trips/cruises or take car to work
> or the store, insure on your standard auto policy. Remember, the minor fender
> bender is no sweat but if you have a "major" accident, the insurance company
> can easily deny the claim as you were not within the limited use restrictions
> of policy. The reason the premium is low is because their use restrictions
> greatly reduce their exposure when compared to regular use of most cars.
> 2- All auto policies I have ever seen (except for speciality/expensive racing
> coverage) specifically exclude coverage when the car is in any type of speed
> contest. This includes road racing, x-cross, drags and even rally. I have
> heard of claims paid on rally damage (I think there were some "details"
> missing in the accident report) and even know of a total loss paid on a
> Ferrari the flipped during a Ferrari Club day at Watkins Glen. It was deemed
> that this was not a race and no times were kept, so it was not competitive.
> It was a hassle, but they paid.
> FWIW
> Sam Turner
> (Vintage racer/just ran in Brock Yates Cannonball Classic/not your normal
> policy pusher)
>
|