What do you guys use for car insurance on daily driven cars (not new cars, but the older ones)?
I just had my '83 Mustang totalled and I feel like the insurance company (Met Life) told me to "bend over". It is hard to establish value of a custom car - mine had EFI and a higher performance version of a '93 Cobra motor, and a Tremec 3550 both just rebuilt last year plus it was an original black/black car from California so rust free, yada yada. I tried to tell them the car was between average and high NADA plus I should get something for my newly rebuilt drivetrain, but they refused to account for either. They told me, "We don't go by NADA." I only had liability on the car, so my insurance company wouldn't do anything. So I was stuck dealing with Met Life - they really suck as a company. They don't return telephone calls. It took 6 weeks before they even made me an offer on the car!
So anyway I'm pretty upset, but I don't want to give up on driving an older car that I have customized. I hope that if I have the right insurance coverage this won't happen to me again. I have agreed value insurance on my 1970 Mustang convertible, but Haggerty doesn't want me to use it for the commute to work, etc. What do you guys use for daily driver "classic" car insurance?
If anyone has any advice on anything I can do to Met Life to get more from them, I'd love to hear it. By the way I noticed that they had a ton of "Met Life bans weapons" signs on the premises - gee I wonder if they deal with a few upset people there.
I just had my '83 Mustang totalled and I feel like the insurance company (Met Life) told me to "bend over". It is hard to establish value of a custom car - mine had EFI and a higher performance version of a '93 Cobra motor, and a Tremec 3550 both just rebuilt last year plus it was an original black/black car from California so rust free, yada yada. I tried to tell them the car was between average and high NADA plus I should get something for my newly rebuilt drivetrain, but they refused to account for either. They told me, "We don't go by NADA." I only had liability on the car, so my insurance company wouldn't do anything. So I was stuck dealing with Met Life - they really suck as a company. They don't return telephone calls. It took 6 weeks before they even made me an offer on the car!
So anyway I'm pretty upset, but I don't want to give up on driving an older car that I have customized. I hope that if I have the right insurance coverage this won't happen to me again. I have agreed value insurance on my 1970 Mustang convertible, but Haggerty doesn't want me to use it for the commute to work, etc. What do you guys use for daily driver "classic" car insurance?
If anyone has any advice on anything I can do to Met Life to get more from them, I'd love to hear it. By the way I noticed that they had a ton of "Met Life bans weapons" signs on the premises - gee I wonder if they deal with a few upset people there.