Quote Originally Posted by 40FordDeluxe View Post
I totally agree with you all on having good insurance. I really need to get insurance back on the 40. It has nothing on it and hasn't since a year after I ripped it apart. I do have an agreed policy on my Camaro with my local insurance guy. Hopefully it isn't an argue fest if anything were to happen. I can't insure it through Grundy. You can't drive it to work or any school through them. I drive it daily and if I need to drop kids off at school, I will. Hagerty wanted $1250/yr knowing I drive it a lot so I inquired locally and for $25k agreed value it is only $70/month....
Ryan, I would recommend you pull out your policy on the Camaro and read through it to find the section about claims, and especially about how they handle determining value for a total loss. At the time I was with American Family, and their policy stated clearly that my "stated value" meant nothing. I'm now with Farm Bureau, and my agent agreed that it was best for me to stay with Hagerty for the two hot rods. I understand that having a vintage car as your daily driver creates a problem with the specialty guys, and you may very well have your bases covered as best they can be, but it wouldn't hurt to read the words in the contract, which is what the policy is - a contract between you & them.

Off my soap box now. Hope you can help your cousin find a new start for his dream.