Hi again Forum folks,
I have been looking for a new insurance company for my 26 T,
I am currently disappointed in my insurers lack of attention to detail.
Anybody have recommendations? I line in northern Illinois.
Thanks and Happy new year!
Andy, Like Jim says Hagerty is the one I use and they are car people and know the cars we are looking to insure. J.C.Taylor and Grundy are also ones specializing in collector car insurance.
Pick the one you like.
I called Hagerty and started the process for a new policy.
I've only owned a T for five months and have sought and received help twice from this forum. What a nice bunch of folks!
Thank you all
Yes, and their optional road service covers ALL your family vehicles.
Midwest Chapter Model T Ford Club
Westmont Park District - Administration & Senior Center, 2nd Floor,
55 East Richmond,
We meet the first Friday of the month at 7PM. You're welcome to stop by and meet the gang.
I have been very happy with Condon & Skelly, they really did right by me when I scraped and dented one of the rear quarter panels on my 1971 Plymouth GTX.
I've had J C Taylor for 40 yrs.
I have my T insured with American Collectors Insurance through my local agent. They seem OK but with only 9 months experience I don't really know. Has anyone else ever used this company ?
I've been with JC Taylor for 30 years. They have paid claims with no drama - great folks to deal with.
My dad used JC Taylor for nearly 50 years. They paid off a claim around 1973 when my mom ran into Dad's '31 phaeton driving his '30 sedan at the monthly MAFCA meeting. While the insurance company was no problem it was the last time mom drove an antique car.
From what I understand Hagerty’s it top dog. But I do not have them. I am using State Farm (SF). Been happy so far. The biggest reason why I stay with SF is due to my umbrella policy. I travel a fair amount for work, in both rental and personal vehicles and I need to make sure I am well insured. If I switch the T to Hagerty’s my umbrella policy does not cover me when I drive the T. I do drive the T to work, and sometimes I do drive to various places for meetings in the T. So having the proper insurance is critical.
Jason, I had State Farm, Trust me when I say when you really need them they will not be there for you. I had them for my home owners insurance for 20 years. Nothing but problems with them when I needed them the most. Best move I ever made was dropping State Farm.
I also HAD State Farm. After an incident they sent me a letter of cancellation. When I canceled insurance with them on 4 other cars I received a letter of forgiveness on the cancellation. I never went back. I now have J.C. Taylor on the T's and USAA on everything else. I believe USAA recommends "American Collectors" for antique vehicles.
In my case they wanted me to prove I had all the tools I said I had. My garage fire was in the middle of the winter and the tools got scattered all over the yard in 4 feet of snow. They would not cover my riding lawn mower that went up in the garage because they said that because I had put another engine. on it , They said it had been customized. They tried to say I was running a business out of my garage because I was restoring vintage cars. During the ice storm of 98 they would not cover my busted pipe and water softener even though we were without power for 7 weeks in February. Then when my sons brand new Yamaha pw50 mini bike got stolen they said it was a road type bike even though it was not licensable under the guidelines of New York state. The last straw came when my son got mad at me and moved out of my place without telling me and the pipes all froze and broke and destroyed the bedroom floor. They said it was a family matter and not theirs. State Farm will use every excuse they can not to pay your claim. STATE FARM IS NOT YOUR FRIEND BUT RATHER YOUR WORST NIGHT MARE. Change companies today and drop State Farm before it's to late.
I have Grundy. Good policy at a good price. A 25 T and a 31A both for a year for what Farm Bureau wanted for the A for 6 mounts. I tried State Farm for all my insurance but would you believe they do not have a farm policy. They need to change their name.
My independent agent sent me to American Collectors. I have both of my T's with them. Good prices and nice folks. I haven't had a claim but my agent of 35 years thinks they are good. PK
A nice lady managed to total an expensive classic I owned. Haggerty came through and paid every cent of the appraised value with no hassle. I agree about State Farm and also Allstate. Both have a horrible reputation of doing anything to wiggle out of a claim. Just remember to avoid the "State" companies and you should be OK.
It is to bad you have had bad luck with them. So far I have had no issues. My neighbor has state farm too and has had a lot more claims than me, including a drier fire and a hit in run on his 36 Ford. He too has had no issues. The claim agent was out right away, and had crews cleaning his house within hours of the fire. When his 36 Ford was hit, was the weekend of the big MSRA back to the 50’s weekend. They went out to the show looked over his car, and wrote him a blank check to get it fixed, as they could not estimate the damage. For me the only claims have been motor vehicle accidents, and they have been good to work with. I do know and have acknowledge that I am light on insurance to cover personal belongings in my house, as you do need to add riders if you have a lot of tools, canoes, jewelry, and so forth.
Condon & Skelly for many many years. Local N.J.company. They put on a great car show too.
I was in a mile long tunnel in some National Park in Utah in my 24 coupe. I was moving fairly slowly because there are no lights in the tunnel. I started hearing a very loud noise behind me. I thought it was a highway truck with a blade down cleaning up any rocks that might have fallen from the roof of the tunnel. All of a sudden we were hit from behind shoving us ahead. I thought we were hit 3 times but the wife said she counted 5 times. By then I realized that we had been rear ended by another T. After we made it the rest of the way through the tunnel I pulled over and stopped. I told the wife to make sure to get the license of who ever hit us. The T that hit us pulled over to survey the damage to the two cars. I asked him what happened and he said he had a new ruckstell in the car and tried to shift down. The tunnel ran down hill rather steep and he went into neutral and could not get it back in. The noise that I heard was not a truck blade but the gears in his new Ruckstell. I asked him if had tried to use his emergency brake but he said it never occurred to him. The collision did a lot of damage to the front of his car and the back of my coupe. We went to Park Headquarters and made an accident report.
When I got back to Colorado I had several Ts in the shop to work on and did not feel like working on the coupe so I took it to a professional body shop and let them restore it.
Both of us had CONDON & SKELLEY INSURANCE. A rep came out and looked at the damage on the coupe and we got full coverage for the damage.
So I can't complain about CONDON AND SKELLY!
I have never been able to understand many people's attitudes about insurance. Most people are so worried about "claim settlement" on things like claims for minor damage from "fender benders" and somewhat more serious claims of theft of their Model T. Certainly, how well insurance companies settle such claims is a consideration.
"HOWEVER", almost "NOBODY" ever talks about the main reason we need insurance protection,....which I consider to be the fact that it is possible that someone could be injured, or even killed as a result of your Model "T"! And in this "litigation happy" country with far too many laws and ambulance chaser type unscroupulous lawyers, "THAT" is by far, the most important reason to have insurance protection! Doesn't anybody care how insurance companies settle claims that can absolutely ruin you financially for life???
For what it's worth,........harold
I hope the only reason no one has come on to talk about that kind of claim is that none of us have had one! I carry $300,000 liability on both my modern cars (Plymouth Rock) and my toys (Hagerty). I then have a $2 million umbrella that should cover pretty nearly everything else that I'm not doing for money, or flying (which I don't do anymore).
Gil Fitzhugh, Morristown, NJ
If your umbrella is like mine, then it only covers the cars that have the same insurance company as the umbrella insurance. My insurance umbrella is in Texas with Nationwide.
I filled out a Hagerty form online this afternoon, and a lady from Traverse City called me a couple hours later. $280.00 a year for full coverage starting today. She gave me a P.O. Box to mail a check to. If I decide to keep my other T, she will add it onto the same policy for an additional fee.
Ed, You can do everything over the phone. Im not a big fan of doing things on line, To many scams that are look a like.
We have all of our cars covered by American Family. We have had 3 claims on my wife's 911 and never a problem. We like having an agent locally that we can talk to when we need to. My Ts cost around $110.00 each per year, stated value. JCTaylor was a little cheaper but, again, we like having a local agent.
It's extremely difficult to properly analyze Insurance Companies on a Forum like this...
too many variables, really.
Stated value for different amounts -any deductibles - if so, what amount?
How about the really, really important thing that Harold mentioned - Liability. What amounts there?
10/20, 50/100, how high?
Sure, there is a very inexpensive policy out there - maybe collision only - maybe no Liability.
Lots to take into consideration besides the price.
State Farm for me. Happy still after one claim years ago. My T is $70. for stated a value. Covers anything stolen, damaged and liability with medical like my moderns.
Dave said it right. Also remember to check to find out about where and when you can drive your car. Some have restrictions.
I've had JC Taylor for years and have had a "total loss" claim on a T--no problems. I have my cars covered for a reasonable amount with 0 deductible on comp and collision, with 300K liability. I pay less than $500/year for 5 T's, 1 Corvette, and a Harley Davidson. With the value I carry on them, I'm screwed if they're stolen, but, my main worry is the building will fall on them in a hurricane, or I'll run into a Packard at a show. If that happens, JCTaylor will pay me the agreed on value, less a salvage value if I want to keep the car. That will give me enough to rebuild the car. That's the way it worked last time I wrecked a T.
I have had JC Taylor since 1986 (29 years).
Every car you add gets cheaper for the added car.
I have two Nash sedans, a '26 T touring and an MGB.
The MG costs me $3 a year for liability and $24 a year for stated value total loss($3500).
I have been planning to change to Hagerty so I can drive the MG more. And the other cars too.