Frequently Asked Questions - Claims

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  • How does the damage claim process work at Hagerty?

    • After a claim is filed, a Hagerty adjuster is assigned and will contact you within one business day. Typically, this first call from the adjuster will happen in the same day the claim was filed.
    •  In this call, the adjuster will discuss the loss and coverages, determine whether to assign an appraiser or ask for an estimate and photos, and address any next steps that are needed to resolve the claim.
    • Once the adjuster receives and reviews the damage information and confirms coverage, they will issue the initial payment.
    • Once payment has been issued, your shop may begin the repairs to your vehicle.
    • Please note: If the cost to repair is more than the initial payment, contact your adjuster and we will work with you and your shop directly to address any supplemental costs.

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  • How do I file a claim?

    You have three options:

    1. Call the Hagerty Claims Department at 800-922-4050, ext 4.
    2. File a claim online
    3. If you have an agent, you can contact them to have them file the claim for you.

    Note:  There are conditions in the policy requiring timely filing of claims.  Please don't delay.

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  • Will filing a claim affect my rates?

    In some cases it is possible that a claim could impact your rates or deductibles. If you’ve experienced damage to your vehicle or an injury as a result of an accident, please don’t let a concern about rates prevent you from contacting us.  We are here to assist you during this difficult time.

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  • Can I choose where to have my car repaired?

    Yes. We understand the importance of having your vehicle properly repaired, and the peace of mind that comes from knowing it is in good hands. So you always have the choice of where to repair your vehicle.

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  • What if I can't find the replacement parts for my damaged vehicle?

    Hagerty has an on-staff parts specialist whose primary responsibility is to track down difficult-to-find parts. We have deep resources that extend way beyond the typical internet search or publications. So if it’s out there, we can almost always locate it.

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This is only a general description of coverage. All coverage is subject to policy provisions, exclusions and endorsements.