Ok so I want to vent a little...
As you may know I recently bought a 1999 M3. The car was purchased as a toy. It will probably get less then 3000 miles a year on it and will spend most of its time sitting in my garage under a car cover. I bought it to take to autocrosses, the occasional track day and to enjoy on the weekends etc. I have a car provided by my work that I drive everyday.
Before I purchased the car I contacted Hagerty's and inquired as to if they would cover the car since it was for limited use and it is kind of "colectible". The original person I spoke to said that that wouldn't be a problem. They asked if the car was modified and I said "yes a little does that make a difference". No not at all was the reply what type of modifications? It is lowered and has an exhaust. "We don't consider that modified, modified would be extensive modifications or a roll cage." was the reply. (This is where an assumption on my part got me in trouble.) Really you cover cars with roll cages? "Yes that way people with race cars are covered when the car is in storage or in transit to the event. We would not cover any damages incurred in an event obviously but the car would be covered on the street." I thought sweet sounds this is perfect.
So after purchasing said M3. I called up Hagertys and said lets get that policy we talked about. After the
