<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN">
<html>
<head>
<meta content="text/html; charset=ISO-8859-1"
http-equiv="Content-Type">
</head>
<body bgcolor="#ffffff" text="#000000">
As I recall (and I can't find the link right now), the guy slammed
into a Jaguar first.<br>
... and the kids just laughed their asses off. Be careful how you
"show off," it might backfire.<br>
<br>
Asa Jay<br>
<pre class="moz-signature" cols="72">Asa Jay Laughton, MSgt, USAFR, Retired
& Shelley Marie
Spokane, WA
******************************
<a class="moz-txt-link-freetext" href="http://www.racingagainstautism.com">http://www.racingagainstautism.com</a>
<a class="moz-txt-link-freetext" href="http://www.teampanteraracing.com">http://www.teampanteraracing.com</a>
<a class="moz-txt-link-freetext" href="http://facebook.com/racingagainstautism">http://facebook.com/racingagainstautism</a></pre>
<br>
On 11/23/2013 8:41 AM, Christopher Kimball wrote:
<blockquote
cite="mid:BAY404-EAS34393D2D6D6AF5F62E8BC1DBCE30@phx.gbl"
type="cite">
<div>Interestingly, in a recent edition of Hagerty's on-line
magazine, they gave the example of a guy in a hot muscle-car who
was goaded into showing off by a couple of high-school students,
and burned rubber right into the side of an ice-cream parlor.
They paid the claim in full, and wrote that the moral of the
story was not to show off.</div>
<div><br>
</div>
<div>I found it very interesting that they would not only use that
example, but that they would use it to show one of their paid
claims.</div>
<div><br>
</div>
<div>Sincerely,</div>
<div><br>
</div>
<div>Chris<br>
<br>
<br>
</div>
<div><br>
On Nov 23, 2013, at 7:36 AM, "Will Kooiman" <<a
moz-do-not-send="true" href="mailto:will.kooiman@gmail.com">will.kooiman@gmail.com</a>>
wrote:<br>
<br>
</div>
<blockquote type="cite">
<div>
<div>
<div>
<div>I understand their logic.</div>
<div><br>
</div>
<div>How many stories have we heard about someone wrecking
a modified car (Pantera or otherwise) because they
couldn't handle the HP?</div>
<div><br>
</div>
<div>And sometimes they do it on a track, and claim it
happened on the way to the track.</div>
<div><br>
</div>
<div>Or they wreck showing out, and call it an accident.</div>
<div><br>
</div>
<div>A car engineered for the HP (vs. modified by owner)
should be safer, and while it is true that it isn't
always, it is a reasonable assumption made by Hagerty.</div>
<div><br>
</div>
<div>Hagerty could rely on actual losses, bet it is
cheaper to make this assumption.</div>
<div><br>
</div>
<div>Think about your USAA insurance. When USAA was
founded, the assumption was that Army/Air Force officers
would have lower losses, due to being more responsible.
For the first several years, officers got money back.
Their subscriber savings account (SSA) grew, collected
interest, and the interest was greater than their actual
losses. So, if you had USAA insurance, your net cost
was negative. But then USAA grew, the membership
qualifications expanded, USAA hired adjusters, etc.,
just like a normal insurance company. Now they are even
advertising on TV. And the rates and coverage is only
slightly better than most insurance companies.</div>
<div><br>
</div>
<div>My point is USAA is still an excellent company, but
their original plan wasn't fair. All officers are not
responsible. But most are, so that's what allowed them
to provide great rates.</div>
<div>
<div>
<div style="font-family: Calibri,sans-serif;
font-size: 14px;"><font class="Apple-style-span"
color="#000000"><font class="Apple-style-span"
face="Calibri">--</font></font></div>
<div style="font-family: Calibri,sans-serif;
font-size: 14px;"><span class="Apple-style-span"
style="font-family: Calibri;">Will</span></div>
</div>
</div>
</div>
</div>
<div><br>
</div>
<span id="OLK_SRC_BODY_SECTION">
<div style="font-family: Calibri; font-size: 11pt;
text-align: left; color: black; border-width: 1pt medium
medium; border-style: solid none none; border-color:
rgb(181, 196, 223) -moz-use-text-color
-moz-use-text-color; padding: 3pt 0in 0in;"><span
style="font-weight: bold;">From: </span> <<a
moz-do-not-send="true"
href="mailto:shawkins777@comcast.net">shawkins777@comcast.net</a>><br>
<span style="font-weight: bold;">Date: </span> Saturday,
November 23, 2013 6:10 AM<br>
<span style="font-weight: bold;">Cc: </span> <<a
moz-do-not-send="true" href="mailto:detomaso@poca.com">detomaso@poca.com</a>><br>
<span style="font-weight: bold;">Subject: </span> Re:
[DeTomaso] Insurance increase<br>
</div>
<div><br>
</div>
<div>
<div>
<div style="font-family: Arial; font-size: 12pt; color:
rgb(0, 0, 0);">Your assuming they sell the same policy
in every state but, every state has difference rules
and regulations.<br>
<br>
Steve<br>
<br>
<hr id="zwchr"><b>From: </b><a moz-do-not-send="true"
href="mailto:MikeLDrew@aol.com">MikeLDrew@aol.com</a><br>
<b>To: </b><a moz-do-not-send="true"
href="mailto:asajay@asajay.com">asajay@asajay.com</a>,
<a moz-do-not-send="true"
href="mailto:detomaso@poca.com">detomaso@poca.com</a><br>
<b>Sent: </b>Saturday, November 23, 2013 1:41:39 AM<br>
<b>Subject: </b>Re: [DeTomaso] Insurance increase<br>
<br>
<font face="arial,helvetica"><font size="2"
color="#000000" face="Geneva"><br>
In a message dated 11/20/13 20 38 14, <a
moz-do-not-send="true"
href="mailto:asajay@asajay.com">asajay@asajay.com</a>
writes:<br>
<br>
<br>
</font>
<blockquote cite="" style="border-left: 2px solid
rgb(0, 0, 255); margin-left: 5px; margin-right:
0px; padding-left: 5px;"><font size="2"
color="#000000" face="Geneva">I got an
unsolicited phone call from them today. The
person who spoke with me had seen an email
trail... and mentioned "Mike Drew." I don't
think Mike was the source, but that was the clue
they probably have eyes into this list. It's
the -only- place I've made any comment, and as I
recall... never mentioned their name, until
now. Of course Mike Drew hit the nail on the
head when he said I'd been "Hagerty'ed."<br>
</font></blockquote>
<font size="2" color="#000000" face="Geneva"><br>
<br>
>>>I certainly never contacted them, but
presumably one of their customers on the forum has
read this info and called them up to ask "WTF?"<br>
<br>
The sad thing is, I really like the company. They
apparently have great service, and without a doubt
they contribute more than others do to the hobby
on all levels (I proudly have several free Hagerty
hats and have eaten more than my share of free
donuts at Pebble Beach, to name but one example).
So as a company, they seem great. But their
underwriting standards and policies are just
insane.<br>
<br>
Here's a fer-instance. Let's say you have a
bone-stock 1969 L78 Camaro, fitted from the
factory with a 396 rat motor that made, say, 375+
hp. Your neighbor has a plain-jane Camaro with a
350 engine, which was factory-rated at 290 hp. He
put a different intake and carb on it, changed the
cam, and now it makes 350 hp. It's still 25 hp
less than yours, but yours is stock so you get to
pay $4 per $1000 of coverage, and his is modified
so he gets to pay $9 per $1000 of coverage, on
what are otherwise identical cars.<br>
<br>
How screwed up is that?<br>
<br>
It's clear that Hagerty is aiming at a very
specific demographic in the collector car
world--the guy who has a bone-stock, original car,
of whatever specification or age. There's nothing
wrong with that, but I do think it is deeply
unfair to penalize people like us so arbitrarily
and capriciously. <br>
<br>
Fortunately, there are plenty of other options
available to us in the marketplace, so if we are
educated consumers, we can make choices that are
best for us. In some cases, that choice may even
be to continue to pay more for your existing
policy (for instance, if you have a claims history
and your rates were *not* raised, you may find
that other insurers ding you for having a claims
history).<br>
<br>
Mike</font><br>
_______________________________________________<br>
<br>
Detomaso Forum Managed by POCA<br>
<br>
DeTomaso mailing list<br>
<a moz-do-not-send="true"
href="mailto:DeTomaso@poca.com">DeTomaso@poca.com</a><br>
<a moz-do-not-send="true"
href="http://poca.com/mailman/listinfo/detomaso_poca.com">http://poca.com/mailman/listinfo/detomaso_poca.com</a><br>
</font></div>
</div>
</div>
_______________________________________________
Detomaso Forum Managed by POCA
DeTomaso mailing list
<a moz-do-not-send="true" href="mailto:DeTomaso@poca.com">DeTomaso@poca.com</a>
<a moz-do-not-send="true"
href="http://poca.com/mailman/listinfo/detomaso_poca.com">http://poca.com/mailman/listinfo/detomaso_poca.com</a>
</span>
</div>
</blockquote>
<blockquote type="cite">
<div><span>_______________________________________________</span><br>
<span></span><br>
<span>Detomaso Forum Managed by POCA</span><br>
<span></span><br>
<span>DeTomaso mailing list</span><br>
<span><a moz-do-not-send="true"
href="mailto:DeTomaso@poca.com">DeTomaso@poca.com</a></span><br>
<span><a moz-do-not-send="true"
href="http://poca.com/mailman/listinfo/detomaso_poca.com">http://poca.com/mailman/listinfo/detomaso_poca.com</a></span><br>
</div>
</blockquote>
<pre wrap="">
<fieldset class="mimeAttachmentHeader"></fieldset>
_______________________________________________
Detomaso Forum Managed by POCA
DeTomaso mailing list
<a class="moz-txt-link-abbreviated" href="mailto:DeTomaso@poca.com">DeTomaso@poca.com</a>
<a class="moz-txt-link-freetext" href="http://poca.com/mailman/listinfo/detomaso_poca.com">http://poca.com/mailman/listinfo/detomaso_poca.com</a>
</pre>
<br>
<fieldset class="mimeAttachmentHeader"></fieldset>
<br>
<p class="avgcert" color="#000000" align="left">No virus found in
this message.<br>
Checked by AVG - <a moz-do-not-send="true"
href="http://www.avg.com">www.avg.com</a><br>
Version: 10.0.1432 / Virus Database: 3629/6360 - Release Date:
11/23/13</p>
</blockquote>
</body>
</html>