Hagarty claims

I don't have experience with Hagerty specifically, but what I would recommend is that you get a quote on the repairs prior to calling Hagerty, and if the repairs are not that expensive it makes more sense to have them done yourself instead of putting a claim through and having your insurance premium increase on the next renewal, and for the next 3 years after that, which is the usual timeframe for claims to remain affecting your insurance record.

 

I agree with this - esp. since there are plenty of companies that will come to you and inject a clear resin/epoxy into the chip and fix it - helps keep it from spreading and is almost unnoticeable, unless you're looking for it or it's immediately in front of you as you drive.

 

When my grandma needed new windows on her house, I shot the hell out of them with a pellet gun (I was 11 or 12 at the time) and then had her make an insurance claim (vandalism). It worked, the insurance company paid out and she got new windows. Not sure how this would apply to your situation, but it just came to mind.

 

what a class act.

 

well in this situation and your situation... the only thing that would apply with said method is...

insurance fraud

 

Funny, people do sh*t like this, but then complain that insurance rates are so expensive. Lets think about this. Insurance company A underwrote $100 Million in property, with expected damages of $50 Million, the rest to pay for daily operations, offices, employees, benefits, etc. Several people commit FRAUD, inflate claims, etc, and skew the numbers. They end up paying out $55 Million total that year, $5 Million over expected. Guess what happens next year? EVERYONE's rates get increased to cover the expected exposure. Nothing is free.

 

Oh so your granny was in on this too...Hmmmm (rubbing chin and mumbling) "nature?...or nurture?"