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frequently asked questions

filing a collector car insurance claim

Find out how filing a claim the right way saves time, stress, and money.

Filing your claim

Repair and replacement

Filing your claim


How do I file a collector car insurance claim?

Whether you need to file a claim for your '57 Chevy or a retired fire truck, Hagerty, our collector car insurance partner, provides 3 convenient options for filing your claim: over the phone at 1-800-922-4050 ext. 5, online, or through your agent. Just pick the option you're most comfortable with and Hagerty's knowledgeable claims reps will get the ball rolling.

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How does the claims process work?

Here's the process in a nutshell:

  1. Once you've filed your claim, a Hagerty adjuster will get in touch, usually on the day you file.
  2. Your adjuster will gather info about the incident, decide whether to assign an appraiser or just request an estimate and photos, and let you know what's next.
  3. Once your adjuster has the estimate and photos or appraiser report and a copy of your title, he or she will review the claim and release payments.
  4. Your repair shop sets to work — or you do.

In rare instances, an independent adjuster may handle the appraisal process. These individuals are handpicked by Hagerty to assure their skill in handling the claims process.

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What info will I need to file my claim?

As with any auto incident, you'll need insurance and contact information from any drivers involved, as well as contact info of witnesses. Photos and police report numbers can help as well, so keep that camera phone handy. In case of a non-collision incident, it'll help to have detailed information about the incident and items damaged. If emergency personnel responded to the event, be sure to get a report number and the respondents' names.

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How soon should I file my claim?

Since your repair shop can't start its work until the claim's been fully processed, you'll want to file your claim as soon as possible. Handily, you can file your claim online 24/7.

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How will filing a claim affect my policy rate?

In a few states, such as California, surcharge points may be assigned after an at-fault accident. Discount availability may also be affected.

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Repair and replacement


Can I choose my repair shop?

You certainly can. Having your collector car repaired by a shop you trust is paramount, so our partner will pay for repairs at the shop of your choice. If you're not familiar with local repair facilities, your agent will be happy to provide a few reputable names in your region. We also recognize that many collectors are skilled mechanics themselves, so you're welcome to tackle the job.

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What if I can't find replacement parts?

If you can't find the replacement parts you need, we will find them for you. Hagerty staffs specialists whose one and only task is to find the parts you need to get your collector car, be it a vintage Chevy, '70s muscle car, or masterful replica, back to perfect operating condition fast.

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Longing for more claims-filing knowledge? We'll be happy to answer all your questions by email or on our Facebook Wall.

This page is intended to provide you with general information about collector car insurance, and to help you understand the various kinds of coverage. It does not describe or refer to any specific policy or coverage. For information about your particular coverages, including limitations and exclusions, we encourage you to read your policy contract and consult your insurance representative with any questions.

Collector car insurance covers:

  • Antique, vintage, and classic vehicles
  • Newer vehicles: limited production, exotic, and special interest vehicles
  • Modified vehicles: street rods, replicas, kit cars, lowriders, and tuners
  • Muscle cars
  • Modern classics
  • Vehicle trailers and street rod trailers
  • Trucks and other utility vehicles
  • Retired commercial vehicles: fire trucks and other commercial vehicles
  • Motorcycles and scooters
  • Motorsports: pro-street and raced vehicles
  • Vehicles under restoration
  • Military vehicles
  • Tractors