Charlie Brown
Well-Known Member
I will update.Sorry this happened, glad no one had been hurt. Let us know how Hagerty treats you. Many memebers have insurance with them. It would be good to know what to expect when making a claim with them.
I will update.Sorry this happened, glad no one had been hurt. Let us know how Hagerty treats you. Many memebers have insurance with them. It would be good to know what to expect when making a claim with them.
Funny you should say this - Aviva are the people I'm dealing with - through Elite - through Hagerty.It's the person's insurance company that hit you that has to pay Hagerty....so hopefully they pay the entire repair, repaint, etc. Unlike how they ( Aviva actually) that f'd me!
Might do that. We'll see.Get an estimate from a shop for the repair including labor. Hagerty will send you a check and you can repair the car yourself.
And re-read it so you're not boonswaggled.Have your policy in your hand when the appraiser gets there.
I hear what your saying, but it was a clear day, high noon, brake and signal lights were on. I was turning left into a private parking lot and as I proceded to turn, there was vehiche activity in the parking lot so I stopped untill the cars were out of the way. Then bang. The driver said "I thought you were turning". So reading between the lines he was probably to close to me initally and didn't expect me to stop - i.e. - he was tailgating, on his phone and had little or nil reaction time to avoid a collision. Still shaking my head.That is terrible. You fix up a car you like and it gets damaged so quickly. Hopefully you can get it back together and looking right soon.
The following is NOT AN ATTACK on you in any way....
Maybe the other driver has grown accustomed to seeing the bright lights of late model cars and your classic just doesn't put out as much light as he is used to seeing.
Again, I'm not blaming you, I'm just putting this idea out there as a possible caution to others.
I know that as I am distracted while driving either by daydreaming, singing along with a song on the radio, whatever, a set of bright brake lights usually snaps me out of the daze pretty fast.
@1 Wild R/T is a guy that has mentioned how dim he noticed classic car taillights to be and it got my attention. I have made efforts to make my taillights and brake lights brighter by painting the inside of the housings with white paint.
Stock:
View attachment 1919131
After painting the insides of the housings with white house paint:
View attachment 1919130
This might help you in the future.
Trust me... I know how the underwriter underwriter F wheel works with Hagerty in Canada..Funny you should say this - Aviva are the people I'm dealing with - through Elite - through Hagerty.
Not up here they won't.... trust me, but don't trust them!Get an estimate from a shop for the repair including labor. Hagerty will send you a check and you can repair the car yourself.
Yeah? Why haven’t you mentioned that before ?Trust me... I know how the underwriter underwriter F wheel works with Hagerty in Canada..
It was no problem here,told them that I was going to repair it myself.they said fine.Not up here they won't.... trust me, but don't trust them!
Do NOT put LED "conversion bulbs" in an old school light assembly.
When you have a bulb, the light exits the bulb in a 360 degree field, and it bounces off the reflector in the light assembly. What you see from outside isn't the 3/4" light bulb...but the reflection of that bulb in the 20 square inches of reflector surface.
LEDs are directional - they send light in ONE direction, usually out the top of the bulb, directly at the red lens (ignoring the reflector completely). That gives you a 3/4" hot spot...and a dark lens and reflector.
If you look at effective LED conversions, it isn't just a bulb. It's a whole assembly, designed around the directional output of an LED chip.
69/70 charger led conversion kit:
View attachment 1919212
See how many LEDs are in there? It's a hell of a lot more than six...like the stock
I like the idea about improving the reflectivity of the reflectors to make it brighter. But i detect a bit of photo trickery in your photos. The top pic in in bright sunlight with the car casting a shadow on the concrete. And the bottom pic is not . Making the bottom pic taillights looking brighter in the dark. Just my observation from a guy thats practically blind in my left eye.That is terrible. You fix up a car you like and it gets damaged so quickly. Hopefully you can get it back together and looking right soon.
The following is NOT AN ATTACK on you in any way....
Maybe the other driver has grown accustomed to seeing the bright lights of late model cars and your classic just doesn't put out as much light as he is used to seeing.
Again, I'm not blaming you, I'm just putting this idea out there as a possible caution to others.
I know that as I am distracted while driving either by daydreaming, singing along with a song on the radio, whatever, a set of bright brake lights usually snaps me out of the daze pretty fast.
@1 Wild R/T is a guy that has mentioned how dim he noticed classic car taillights to be and it got my attention. I have made efforts to make my taillights and brake lights brighter by painting the inside of the housings with white paint.
Stock:
View attachment 1919131
After painting the insides of the housings with white house paint:
View attachment 1919130
This might help you in the future.
Nope. PC, keyboard, proper monitor. Cell phone remains a communications tool only for me and I often leave it layingAs we all type away on our phones. ...
This topic is a real can of worms, and I'm going to hedge and ask any folks who worked full time in insurance to chime in. I worked with claims in house for a 900 truck tank line, dealing with multiple layers of coverage, provided by different insurers. We were self insured for the first $100K in claims, both as insured and insurer. After a run of good years, we got that number down to $50K, with our primary liability carrier taking on additional risk, relative to our premium. We promptly had a horrible year, which led to cancellation of the policy, and me taking a golden parachute in the fallout.I understand that Hagerty is selling insurance that is underwritten from another company. But when we sign up for the insurance with Hagerty, then Hagerty should step and fulfill any void their underwriter will not cover. Maybe @68BabyBlue could chime in and let us know how it really works since he has experience on the legal side with insurance companies.
Most of us have insurance with Hagerty or one of the other major classic car insurance providers. But when you think about it, what their exposure to risk. Most of these cars are not regularly driven, regularly maintained, and not left in places unprotected.
I would love to see the percentage of value of claims verse value of the number of policies they have on classic cars. I would predict it's probably about 90-95% in their favor.