[NightRydaSS]

Originally Posted by BonzoHansen

Hagerty gave me $20k agreed value with just pics & a description. "Is that all you want" was the reply. Seems fair & didn't want the premium any higher.

ok, well that answered one of my questions, now i have a couple others:

1) what are the restrictions on driving OTHER then being limited to 3K miles a yr and having another car as your DD? Like can you still take it to the track and race it, if i decide to take a cruise to the shore and get slammed into, will they ring my balls when i try to make a claim?

2) whats is a "normal" premium, like how much is the premium on your $20k coverage (if you dont mind me asking)?

3) does anyone kno what happens if you DO go over the 3k milage limit? Now i don't mean 2k miles over, more like a couple hundred. Does NJ "ream" you?

If i keep going the way i am (and i kno i will be), i NEED this kind of coverage. I dont want a repeat of my GTA incident (10% coverage in parts won't cover it this time). My car is over 5 yrs old, so that mean it is worth "diddly-d*ck" to the ins company in regards to "standard coverage". and i really can't see me driving more then 3k miles a yr if i have something else to drive and only drive my car the way i want to. might as well get the collector regs and not have to deal with inspection.