[Formerly Steve Wilkinson]

I find it hard to imagine that Hagerty--my insuror--would pay off on a collector car insured with them that was rear-ended at 0730 on a Monday in bumper-to-bumper commuter traffic. Wouldn't happen. For what it's worth, I pay them about $500 a year (exburban New York City) for an '83SC with an agreed value of $35,000, which is less than half of what I have in the car, and a million smooth in liability. My wife and I have three cars between us, and I use the SC freely on our rural roads whenever I wish. Other than commuting time...