It's good that Chris had a good experience, with his claim, but Hagerdy
was essentially telling its insured, to go handle his own claim, and
that they would sit-back, and review hi/his shop's
paperwork, and if they agreed with his sweat-equity (as in finding his
own repair parts and chroming-facilities, etcetcetc...) they would
tell their confuser system to cut him a check.
Even so, the confuser apparently got confused
and believed that Chris had not complied with THEIR claim-instructions,
to him, and so, wanted to cancel his policy.
Chris' experience is typical with what occurs with a claim, called into
one of the insurance companies, which are known as being a : "Direct
Writer" of coverage, like Geico, or USAA, which do not have their
coverage be sold by a local independent insurance agent.
When you have a simple claim, the claims-process can be uncomplicated;
but, your company will expect you to do THEIR job, for them (as part of
your "low" premium rates) , and NOT all claims, which initially appear
to be un-complicated, end-up BEING un-complicated, from an almost
infinite variety of intervening reasons/causations.
As I am not trying to sell insurance to anybody, here, my professional
opinion is that your insurance needs are best served by a COMPETENT
local insurance agent, and not by some disembodied voice (perhaps
talking to you from 3rd world country...) .
No claims: no problems.
Claim(s): ......(?)
Neil Vedder
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--- Begin Message ---
- From: Chris Hullinger <Chris_Hullinger@xxxxxxxxxxxxxxx>
- Date: Tue, 17 Jul 2007 09:43:47 -0400
Guys,
With all this insurance talk I wanted to share my experience with Hagerty,
who I've had for about 7 years now. I don't have a garage so my '58
Coronet sits outside most of the time. In June 2003, a big wind storm came
through and brought down some really big tree branches around the house,
one of which smashed and totaled a Mitsu Eclipse I had at that time while
another smaller branch fell across the front of the Dodge, mangling both
front fenders and the hood. I emailed some pics of the fresh damage to
Hagerty who emailed back saying to get some estimates. I found a local
"mom and pop" shop that I liked and emailed a copy of their estimate to
Hagerty, who gave me the OK than mailed the check within 2 weeks. The
whole process was very simple and expedient and I felt like all the
resources at Hagerty were working on my case. Hagerty's only concern was
they wanted to research my preferred shop first, apparently checking a
database of shady repair shops. Fortunately for me, everything that got
damaged was repairable and nothing was replaced. However based on this
experience, I presume if a fender or hood needed replacing, and as long as
it was included on the estimate, it would have been covered with either me
or the shop responsible for finding the replacement.
Overall, it was a painless experience. My annual premiums have increased
by about $5 - $7 each year thereafter and is now $165 per year with an
agreed value of $17,500. So overall it was pretty positive. Afterwards I
send them an email thanking them for their timeliness, ease,
professionalism and follow-up, along with some pics of the repair work.
The only weird thing is that about 3 months afterwards, Hagerty sends me a
threatening letter saying they are cancelling my policy as I never
responded back to them regarding their need for an estimate and pics of the
damage. I sent them a pretty stern and detailed letter back saying they
not only got this info but they paid the claim - dummy. Needless to say,
they reinstated the policy and everything has been fine.
Just one experience, from one person from one point in time,
Chris
Wilmington, DE
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