WHAT WENT WRONG: If a tree falls on a Ford and no one is around to hear it, does it still make a sound? Take it from us, it does if it’s a classic. The owner of a 1989 Ford Mustang 5.0 LX moved his car from the garage to a temporary shelter while he used the space to work on another vehicle. During the night, high winds and rain pummeled the area, and he woke to find a huge tree branch had crashed on to the Mustang.
DAMAGE/LOSS: The car was a total loss. The roof was crushed, the windshield and side windows were shattered, and the doors and seats received significant damage. And, yeah, Hagerty did cover the loss.
LESSON: While it’s best your clients store their vehicle in a sturdy structure; we know that is not always possible. Should they have to leave their car outside overnight, they should be sure to check their local weather forecast and plan accordingly.
At the end of the day, even a well-drawn out plan can end in disaster. Take time to review your client’s collector car policy to ensure their vehicle’s insured value is up to date. In the event of a covered total loss, the client is paid that full amount – less any deductible or salvage value if vehicle is retained by the client.