[turbo69bird]

Unless you have an agreed value policy they will screw you.

UsAa is usually pretty good but times are getting tight corporations are cutting back on everything. Even aircraft maintenance. . Well likely start seeing crashes . That’s another story though.
I’d bring them
Mecum auction results that’s fair market value how can they argue it’s not. A lot of hellcats just went through and I remember a blue charger.
Sucks to have your car stolen. . Mine (hellcat) stays under lock and key inside and I rarely drive it. When I do I disable it so it can only be stolen by a tow truck . If they get it that way at least I know I did what I could.
That’s one more thing I like about my Tesla plaid it’s basically a big computer that’s easily trackable at all times. . Wish my hellcat was the same. .

[1965gp]

It’s really a shame- I only moved my collector cars to Hagerty because a USAA rep told me I was severely underinsured and there was no way I would ever get $60k for a 1969 Dodge.

I asked for 82k for the car. In my market (Houston) you are hard pressed to get a Hellcat Charger that hasn’t been wrecked for less than 76-78k. Throw in the low miles, Daytona package, sunroof, nav and carbon package I felt $82k was fair market value

I would take less, but am now irritated that I have had to do all the work. I sent them auction results but they said they can’t use auction results because they aren’t market value???

Honestly it’s more that I just feel taken advantage of more than anything. My loyalty meant absolutely nothing. If I’m going to have to deal with sub par service I should just go with the cheapest option.

Unfortunately our garage is (very) full with the older cars so this car sits outside. They were able to start it up and drive off. I was out of town- my wife called the cops as soon as she heard it start and watched them drive off.

Here is the same car that sold at Barrett Jackson last year. I don’t think I am over valuing the car but would be interested to hear y’all’s thoughts on that.

[The Champ]

Originally Posted by 1965gp

It’s really a shame- I only moved my collector cars to Hagerty because a USAA rep told me I was severely underinsured and there was no way I would ever get $60k for a 1969 Dodge.

I asked for 82k for the car. In my market (Houston) you are hard pressed to get a Hellcat Charger that hasn’t been wrecked for less than 76-78k. Throw in the low miles, Daytona package, sunroof, nav and carbon package I felt $82k was fair market value

A couple of thoughts.

1. Hagerty would have insured your Hellcat. Too late to do that now, but future reference.

2. Assuming that you do want to replace the car, tell USAA that you want them to replace the car with one with the same options and mileage. You aren't asking for a cash amount, you want the car. USAA is liable for car replacement, which includes the car and the sales tax, less your deductible. If you don't want to replace this car, but this kind of car actually can be sold for much more than they are offering, do this anyway and then sell it.

When you get off the dollar amount and they are forced into actually replacing the car with another Hellcat like you had (not a generic white plain jane Hellcat), that should help speed up a fair settlement.

[ID67goat]

Originally Posted by turbo69bird

Unless you have an agreed value policy they will screw you.

Sounds like you should have had either an agreed value policy or gap coverage.

I have never heard of an insurance company paying out KBB value and especially not auction prices….I think at best you usually get wholesale value. It is just a car to these companies and they see no extra value in the rarity of some of the models out there.

Sorry for your loss and hope you get a somewhat reasonable settlement.