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Being on the business, you have to pay particular attention to the insuring carrier that is actually providing the coverage, Hagerty, Amer Collectors, Leyland, Geico, Grundy etc. are BROKERS, they are not the company that is providing the actual coverage or paying out the claim $$, nor (in most cases) the company sending the adjuster to look at damage. Hagerty tends to be good because they are big and they "strongarm" the carriers they use to be sure claims and service are good. some of the smaller brokers, you really need to investigate the underlying insurance carrier they are using. Just my .02
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