[cnhorn63]

I had American Collectors for 10 years, never hade a claim. I am now with Hagerty the past 5 years, never had a claim with them either. Although the American Collectors premiums were slightly less than Hagerty, the reason I switched was due to friends who had claims with Hagerty. The claim process for them was hassle free no issues etc. Claim service is the deciding factor with any insurance company. After all that is what you are buying, claim service.