What does Hagerty insurance not cover?
Hagerty collector vehicle insurance policies do not cover cars used for everyday commuting, routine grocery shopping, or general daily-driving transportation, as their specialized policies require insured vehicles to be maintained primarily as hobby or collector items stored securely in a locked garage. Furthermore, standard Hagerty policies typically exclude commercial use, racing or timed track events (unless specific track-day coverage is purchased), wear-and-tear mechanical breakdowns, and regular commercial delivery driving, focusing strictly on leisure driving, club events, and exhibition transport.
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