Re: [Chrysler300] Bad Luck

I've had Condon & Skelly for many years. They charge me a little under $2 per thousand of agreed value, with a $500 deductible, while the cars are stored. More when I notify them that I am taking them out of storage and driving them in the summer of course.

I have never had a claim yet, so I can't testify to Condon & Skelly's treatment of the client when they are on the paying end instead of the receiving end, but my agent says they have been great in that regard.

One thing to keep in mind is that the handling of claims, and getting partial damage fixed perfectly no matter what it takes, is more important most of the time than "agreed value". Agreed value only comes into play if the car is totaled, or it acts as a gross limiting ceiling on what the insurance company is obligated to pay when the car is only partially damaged and repairable for a figure under that ceiling.

For example, unless your car were rolled over, or burned up in a fire, it wouldn't likely matter whether your high end car had an agreed value of $150K or $75K. Most things could be fixed back up for less than that. On the other hand, the lower the value of your car, the more important "agreed value" might be in a loss situation. The ceiling figure might be quickly exceeded in a relatively minor accident, and the insurance company would only have to cut you a check for the agreed value.

Bottom line is that peace of mind doesn't really cost that much to arrange for. But don't settle for a "stated value" policy, and have a conversation with your insurer if they don't "agree" on what the true market value of your car(s) is.

Keith Boonstra

On Mon, Mar 16, 2015 at 11:01 AM, Hugh Baldus hugh@xxxxxxxxxxxxxxxxx [Chrysler300] <Chrysler300-noreply@xxxxxxxxxxxxxxx> wrote:

I’m with Hagerty, and love it. Prices are extremely low, no hassle whatsoever, and their roadside service is included with the policy. Have used the roadside service as many as 7 times in a year, no questions asked (by them, different story regarding questions from my wife about the sanity of the old car hobby on those “failure to proceed” occasions). Strong recommendation from me…

Hugh Baldus

The Baldus Company

260.424.2366

From: Chrysler300@xxxxxxxxxxxxxxx [mailto:Chrysler300@xxxxxxxxxxxxxxx] On Behalf Of pffkllc@xxxxxxx [Chrysler300]
Sent: Monday, March 16, 2015 10:48 AM
To: jerrylindsay300h@xxxxxxxxxxxxxxx; jkg@xxxxxxxxxxxxxxxxx; mavche@xxxxxxxxxxxx
Cc: Chrysler300@xxxxxxxxxxxxxxx
Subject: Re: [Chrysler300] Bad Luck

Hi Group:

For what it is worth, I have had Hagerty insurance for years. While I have only had two claims, there was no haggling, no argument, and no fuss. They simple asked for a picture and sent me a check to cover the repair. They then sent me a supplemental check to cover the difference between the initial estimate and the final cost of repair. On of those claims was for damage sustained when someone else dropped a ladder on the car. While that sounds very minor, the final cost was around $1,400.00.

I have had up to six cars insured at once, with agreed values that have never been questioned. Additionally, there are no limits on your driving whatsoever - no mileage

limits and no use limits. I can't imagine a better insurance company for your cars.

Regards,

Pete Fitch.

In a message dated 3/16/2015 8:21:40 A.M. Eastern Daylight Time, Chrysler300-noreply@xxxxxxxxxxxxxxx writes:

Who was your insurance company? I hope not State Farm.

Jerry Lindsay

From: Chrysler300@xxxxxxxxxxxxxxx [mailto:Chrysler300@xxxxxxxxxxxxxxx] On Behalf Of John Grady jkg@xxxxxxxxxxxxxxxxx [Chrysler300]
Sent: Monday, March 16, 2015 8:00 AM
To: Albert Vannice
Cc: Chrysler300@xxxxxxxxxxxxxxx
Subject: Re: [Chrysler300] Bad Luck

& nbsp;

Dear Albert , i had this happen about 5 years ago , roof in rented space fell in on near perfect 300 F convert . Windshield and top destroyed , but even worse 100 ' s of gallonsof water into dash and seats .

Insurance defaulted to building owner , not me . They only paid me 8000 . I should have fought more with lawyer , it cost 4x that and will never be what it was

Brings up strategy to insure these cars .

Valuable now .

Car was not registered , another aspect .

I read about agreed value ; rates ? A good 300f convert should be 100 k but they argue about how much is damage and a list of parts . You. Get screwed .

On Mar 15, 2015, at 1:55 PM, "Albert Vannice mavche@xxxxxxxxxxxx [Chrysler300]"<Chrysler300-noreply@xxxxxxxxxxxxxxx> wrote:

Hello 300 Group,

I thought I would inform you about a disaster regarding my cars. Last week with the snow, rain and ice, the roof on my all-metal garage collapsed on the 10 cars I had stored there. That included my C300, 300E, 300F and 300J along with my '65 Formula S, '70 AAR Cuda, '78 Mercedes 450SLC, '78 Mercedes 450SLC 5.0, '83 Porsche 928 and '31 Model A Ford. All were damaged, some severely, and I am starting to go through the insurance claims process this week with State Farm. I've been insured with them since 1957, when I was 14 and had my Model A, and I've never filed a claim. I will keep you informed about State Farm's performance ( I may consider selling some of these cars(after their restoration) because I am now renting storage space). I know I will need windshields for the E convertible and the F and J hardtops, so any leads will be appreciated. The roof of the C300 was badly damaged and the roof of the F was dented hard (John would be very unhappy) and there was fender denting and scratching too. I don't see my 300E (or any of them) making the Macungie meet.

Al Vannice

From: Chrysler300@xxxxxxxxxxxxxxx [Chrysler300@xxxxxxxxxxxxxxx] on behalf of Tony Rinaldi awrdoc@xxxxxxxxx [Chrysler300] [Chrysler300-noreply@xxxxxxxxxxxxxxx]
Sent: Sunday, March 15, 2015 12:29 PM
To: finsruskw@xxxxxxxxxxxxxxx; Chrysler300@xxxxxxxxxxxxxxx
Subject: [Chrysler300] What is the NEWEST 300 That Can Register at Macungie?

1979!

You have been tested and Dave wins an all expense trip to IOWA!

Macungie: Register now and often.

Tony

Sent from Yahoo Mail for iPhone

At Mar 15, 2015, 11:20:12 AM, 'David Schwandt' finsruskw@xxxxxxxxxxxxxxx [Chrysler300]Chrysler300-noreply@xxxxxxxxxxxxxxx'> wrote:

Woooah...

I think you mean NEWEST would be the '70 300!

Geesh, had me thinking I was gonna have to bring Carolyn's white '08 Hemi C
there for a minute!!

Dave Schwandt

From: Chrysler300@xxxxxxxxxxxxxxx [mailto:Chrysler300@xxxxxxxxxxxxxxx] On
Behalf Of Tony Rinaldi awrdoc@xxxxxxxxx [Chrysler300]
Sent: Sunday, March 15, 2015 9:07 AM
To: Chrysler 300 Club
Subject: [Chrysler300] Macungie

Hi To All,

Hotel Registrations start today. Register early and often. Limited Rooms!
Breakfast included.

Holiday Inn

866-460-7456

610-391-1000

Also, Please be advised that Macungie only allows vehicles more than 25 year
old.

This means that the oldest 300 that may be displayed is the 1979
Cordoba/300.

Tony, Mark Tony B

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