Here are a couple of shots of our Cuda taken about a half mile and unknown thousands of dollars apart. Saturday a big rig changed lanes (literally) on top of it causing it to skid from the #4 lane over to the #1 lane where it hit a Toyota which knocked it back over to the right shoulder. My son has a sore shoulder and arm but otherwise is okay and probably lucky to be alive.
I have Hagerty's classic car insurance on it, the truck driver was deemed to be 100% responsible for the collision, and I meet with the adjuster tomorrow or Tuesday, but I have a few questions about what I should expect.
First of all, we intend to keep the car, but would they give us a settlement to repair it ourselves? I know if a regular car gets bashed, the insurance company cuts a check to a body shop, but what's the protocol for repairing a "classic" car? Would they "total" a car like this and then allow us to buy it back as a salvage?
I'm thinking that with a car with a lot of interesting options (overhead console, leather seats, light pkg, etc) that the threshold cost for totaling the car would have to be high, or can we expect to get low-balled by the truck company's insurance? Can I expect Hagerty to fight the good fight? I'd really like to hear from anyone who has gone through anything like this so we know what to expect.
