Before we turn this into a love fest for our insurers, let me warn you about
my experience with SF.
When I had a claim, the adjusters had never seen a Healey, didn't know it's
value, and proceeded to bargain down the extimate. As far as they were
concerned it was just an old car. Whatever the shop wanted for labor was too
much, and this was a rural shop where the price of labor was lower than the
city. They also tried to deny some damage because the hadn't seen a car that
didn't have integral, plastic or rubber bumpers. The also refused to pay for
painting the lower half of a fender because only the top was damaged. They
expected a match when the paint color was not easy to find.
Collector car insurance companies understand your car, and don't try to get
away cheap as SM did.
However, *I am absolutely delighted with State Farm for my non collector
cars.* I am with a great agency that is always available, and takes my side
in some disputes. They went to bat for painting that whole fender, and when
SF refused to budge, gave me some gas cards to compenstate for my paying. I
was truly sorry to take my cars away from their care.
I was sorry to find out they couldn't write my collector insurance.
Jack
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