Well I threw mine away but if you read the acceptable uses above you cannot really use it for anything.
-
Steel Soldiers now has a few new forums, read more about it at: New Munitions Forums!
FL Is Hagerty schizophrenic?
- Thread starter Micmada
- Start date
porkysplace
Well-known member
- 9,604
- 1,494
- 113
- Location
- mid- michigan
Ironicly Hagerty is based in Michigan , but don't like insuring vehicles here , but their rules pretty much follow what Michigan allows for antique or historic plates . Pretty much no home depot or trips to get or dirt .
I am trying to get a regular plate because I want to use it some
- 70
- 48
- 18
- Location
- Miami Beach
I read of a lot of ppl here saying they have had Hagerty (or American Classics) for years and NEVER had a problem. What they forget to mention is that they NEVER HAD A CLAIM, you pay + they cash = NO PROBLEM of course.
I read horror stories about Hagerty requesting your cellular bill for the month of the date of the accident and other absurd things never heard of before and taking your car to someone else's garage for the sake of a nice picture will come back and bite ya in the ass when it's time to claim. Remember insurance companies need to try to disburse as little as possible and they will come up with anything they can to try to deny the claim. This is less pronounced with majors like GEICO, PROGRESSIVE, SF and ALLSTATE. You have to be very very careful when you have those conversations over a recorded line, if you "Stretch the Truth" you may be getting into a big problem that will only be discovered when it's too late.
Example, some people have insured their 2006 Humvee as a 2006 Hummer H1 just because the AM General option was not available and after all is the same car... right....? Sometimes we go round and round just to have an agent tell us what we want to hear, but that agent won't be there when the claim is rejected.
My advice....? Record your telephone conversations (which is allowed since they are doing it too) and try to specify the details that are going to CYA later, the agent wants to sell and yo want to buy and that is the phase of the negotiation where things get accepted a little more leniently, make a journal with notes with the name of the Agent and date/time of the convo, believe it or not that carries weight in front of a judge.
If you obtain insurance via stretching the truth, you just put a bandaid on skin cancer.
10 years in a law firm taught me a thing or two about insurance claims.
ohhh... did I mention that your agent will put some discounts like Anti-Lock brakes on your Humvee (what a joke!) just to make the premium a little more inviting and one day you will run over someone that crossed a dark road and killed them. Now the insurance is looking at millions of liability dollars and they will go and examine the swerving of your skid marks and determine that if you indeed had anti-lock brakes that person may still be alive, so you say
"But I never said I had A/L !"
and the DA:
"But when the Agent, as we hear in the recorded conversation, said that you were receiving an A/L discount , you DID NOT correct the record and accepted the discount...didn't you..."
I am telling you guys....
I read horror stories about Hagerty requesting your cellular bill for the month of the date of the accident and other absurd things never heard of before and taking your car to someone else's garage for the sake of a nice picture will come back and bite ya in the ass when it's time to claim. Remember insurance companies need to try to disburse as little as possible and they will come up with anything they can to try to deny the claim. This is less pronounced with majors like GEICO, PROGRESSIVE, SF and ALLSTATE. You have to be very very careful when you have those conversations over a recorded line, if you "Stretch the Truth" you may be getting into a big problem that will only be discovered when it's too late.
Example, some people have insured their 2006 Humvee as a 2006 Hummer H1 just because the AM General option was not available and after all is the same car... right....? Sometimes we go round and round just to have an agent tell us what we want to hear, but that agent won't be there when the claim is rejected.
My advice....? Record your telephone conversations (which is allowed since they are doing it too) and try to specify the details that are going to CYA later, the agent wants to sell and yo want to buy and that is the phase of the negotiation where things get accepted a little more leniently, make a journal with notes with the name of the Agent and date/time of the convo, believe it or not that carries weight in front of a judge.
If you obtain insurance via stretching the truth, you just put a bandaid on skin cancer.
10 years in a law firm taught me a thing or two about insurance claims.
ohhh... did I mention that your agent will put some discounts like Anti-Lock brakes on your Humvee (what a joke!) just to make the premium a little more inviting and one day you will run over someone that crossed a dark road and killed them. Now the insurance is looking at millions of liability dollars and they will go and examine the swerving of your skid marks and determine that if you indeed had anti-lock brakes that person may still be alive, so you say
"But I never said I had A/L !"
and the DA:
"But when the Agent, as we hear in the recorded conversation, said that you were receiving an A/L discount , you DID NOT correct the record and accepted the discount...didn't you..."
I am telling you guys....
Last edited:
- 14,275
- 1,795
- 113
- Location
- Dayton, OH
This is exactly why I never wanted insurance threads to be allowed on the site. Period.
Why? Anyone that read a few of the posts that popped up before we could take them down were spreading information that was clearly false and in some case downright illegal.
Hagerty knows what I have and if they recorded any conversations it is to protect me because they will hear me explain exactly what they are quoting. I've even verified when I saw the extra $70 on the bill for their magazine. What? Turns out that yes, you get a magazine but that is for their roadside service and not just the magazine. I even verified the towing service and if they knew what they would have to tow. Yes and I even talked to their towing service. They knew the truck and what they would be on the hook for if it needed a tow/recovery.
I still wish we didn't allow insurance threads but that's me. Don't even get me started about registering you Deuce as a pickup because it says Kaiser Jeep.
Why? Anyone that read a few of the posts that popped up before we could take them down were spreading information that was clearly false and in some case downright illegal.
Hagerty knows what I have and if they recorded any conversations it is to protect me because they will hear me explain exactly what they are quoting. I've even verified when I saw the extra $70 on the bill for their magazine. What? Turns out that yes, you get a magazine but that is for their roadside service and not just the magazine. I even verified the towing service and if they knew what they would have to tow. Yes and I even talked to their towing service. They knew the truck and what they would be on the hook for if it needed a tow/recovery.
I still wish we didn't allow insurance threads but that's me. Don't even get me started about registering you Deuce as a pickup because it says Kaiser Jeep.
- 70
- 48
- 18
- Location
- Miami Beach
Sorry but I still miss the reason why you would not allow insurance posts...
Nobody is hurting anybody... here ppl come to express their opinion then you believe what you want to believe, hehe... even Mark Zuckerberg finally changed his tune about blocking (what they believed to be) misinformation.
- 14,275
- 1,795
- 113
- Location
- Dayton, OH
Sorry but I still miss the reason why you would not allow insurance posts...
Nobody is hurting anybody... here ppl come to express their opinion then you believe what you want to believe, hehe... even Mark Zuckerberg finally changed his tune about blocking (what they believed to be) misinformation.
The reason should be clear. MIS-information, not to mention every state is different. Almost every thread was "In Texas we do this", in Michigan "We do it this way" and all of it in the thread where someone wanted insurance in Montana. You may find this hard to believe but some of the info was wrong. And the red-headed cousin registration was even worse.
And my all time favorite? Do I need a CDL?
- 70
- 48
- 18
- Location
- Miami Beach
yeah mon !
Most of us (or let me just speak for myself) are ignorant people about many things regarding military vehicles especially insurance but that's why we are here, to say "things" some times correct, sometimes wrong, sometimes stupid... but I believe you should NEVER take something that somebody wrote like Gospel do your own investigation especially outside of the source of your firs input.... then you make up your mind and still leave the door to be wrong open.
Most of us (or let me just speak for myself) are ignorant people about many things regarding military vehicles especially insurance but that's why we are here, to say "things" some times correct, sometimes wrong, sometimes stupid... but I believe you should NEVER take something that somebody wrote like Gospel do your own investigation especially outside of the source of your firs input.... then you make up your mind and still leave the door to be wrong open.