Haggerty’s Insurance: A Comprehensive Guide

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Haggerty’s Insurance is a specialized insurance company that offers coverage for classic and collector cars. With more than 30 years of experience in the business, Haggerty’s Insurance has built a solid reputation for providing top-notch coverage and customer service. In this article, we will discuss everything you need to know about Haggerty’s Insurance, including their coverage options, benefits, and frequently asked questions.

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Who is Haggerty’s Insurance?

Hagerty’s Insurance was founded in 1984 by Frank and Louise Hagerty. The company started as a small agency that provided coverage for antique boats. Today, they are one of the largest providers of insurance coverage for classic and collector cars in the world. Haggerty’s Insurance is headquartered in Traverse City, Michigan, and has offices in Canada, the UK, and Germany.

Over the years, Haggerty’s Insurance has established itself as a trusted and reliable provider of insurance coverage for classic and collector cars. Their policies are designed to meet the unique needs of these types of vehicles, providing coverage for things that may not be covered under a standard auto insurance policy.

What Does Haggerty’s Insurance Cover?

Haggerty’s Insurance offers a range of coverage options for classic and collector cars, including:

Policy Type
Features
Agreed Value Coverage
Covers the full-insured value of your car, with no depreciation
Flexible Usage
Coverage for cars that are used for occasional pleasure driving, events, exhibitions, and more
Spare Parts Coverage
Covers the cost of replacing or repairing lost or damaged spare parts
Auto Show Medical Reimbursement
Covers medical expenses up to $10,000 if you or a passenger is injured at an auto show or exhibition
Pet Coverage
Covers up to $2,000 in veterinary expenses if your pet is injured in a covered accident

In addition to the above coverage options, Haggerty’s Insurance also offers coverage for trailers used to transport classic and collector cars. Their coverage options are customizable, allowing you to create a policy that suits your specific needs.

What are the Benefits of Haggerty’s Insurance?

There are many benefits to choosing Haggerty’s Insurance as your provider of classic and collector car insurance coverage. Some of the key benefits include:

  • Specialized coverage designed specifically for classic and collector cars
  • Agreed Value Coverage ensures you receive the full insured value of your car in the event of a total loss
  • Expert claims service provided by knowledgeable and experienced specialists
  • Flexible usage options that allow you to use your car for occasional pleasure driving, events, and more
  • Easy and hassle-free claims process
  • 24/7 customer support and online account management

FAQ: Frequently Asked Questions

Q. What qualifies as a classic or collector car?

A. Classic and collector cars are typically defined as cars that are at least 25 years old and in good condition. These cars are often used for pleasure driving, events, exhibitions, or as part of a collection.

Q. How is the value of my car determined?

A. The value of your car is determined by a variety of factors, including its condition, rarity, and history. Haggerty’s Insurance offers Agreed Value Coverage, which means that the value of your car is agreed upon by you and Haggerty’s Insurance at the time you purchase your policy. This ensures that you receive the full insured value of your car in the event of a total loss.

Q. Can I use my classic or collector car for everyday driving?

A. Haggerty’s Insurance offers flexible usage options that allow you to use your classic or collector car for occasional pleasure driving, events, and more. However, it is important to note that these policies are not designed for everyday driving, commuting, or commercial use.

Q. What if I need to file a claim?

A. Haggerty’s Insurance has a team of knowledgeable and experienced claims specialists who are available 24/7 to assist you. You can file a claim online, over the phone, or through their mobile app. The claims process is easy and hassle-free, and you can expect to receive expert assistance every step of the way.

Q. Can I customize my coverage?

A. Yes, Haggerty’s Insurance offers customizable coverage options that allow you to create a policy that suits your specific needs. You can choose the coverage options that are most important to you, ensuring that you have the protection you need in the event of an accident or loss.

Conclusion

Haggerty’s Insurance is a specialized provider of insurance coverage for classic and collector cars. With more than 30 years of experience in the business, they have established themselves as a trusted and reliable provider of coverage that is tailored to the unique needs of these types of vehicles. Their policies are customizable, flexible, and offer a range of benefits, including Agreed Value Coverage, expert claims service, and 24/7 customer support. If you own a classic or collector car, Haggerty’s Insurance is an excellent choice for your insurance needs.

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