View Full Version : Need Help for Insurance Purposes

04-12-2010, 03:05 PM
I am trying to get my 1954 Coupe Commander insured after 6.5 years of restoration amd all of the local company's want an apraisal. No one around here knows enough about Studebakers to give an accurate figure. Is there any other options

Domenic Manera
1954 Regal Starlight Coupe

04-12-2010, 03:14 PM
Two thoughts:

We have a member (although not currently signing) forum name Swifster that I believe does appraisals. He may still be answering his email.

Secondly, I'd check with the classic car insurers ( Haggerty, Condon and Skelly, etc). They are generally less expensive on restored cars and they will write "Agreed Upon Value" policies that you can name the value (within reason) and pay based on that value. Most have very good reputations.


http://i258.photobucket.com/albums/hh263/sweetolbob/P1000416.jpg?t=1227109182, http://i258.photobucket.com/albums/hh263/sweetolbob/031-1.jpg?t=1254424814

41 Frank
04-12-2010, 03:44 PM
Generally some Classic car insurance companies insure for agreed value. My current carrier is J.C.Taylor and all they require is some pictures of the vehicle if its value is below $25.000.00 No appraisal required. I might add that Classic car insurers only insure vehicles if they are not used for daily transportation, in other words they have limits on the type of use such as club functions,tours,shows, etc.

Frank van Doorn
Omaha, Ne.
1962 GT Hawk 4 speed
1963 Daytona Conv
1941 Champion R-2 Rod

04-12-2010, 03:45 PM
Check Turning Wheels. There's a guy out in California that does Studebaker appraisals by picture. He appraised my Cruiser for Hagerty. Sorry, it's been a few years and I can't remember his name.

Mark Anderson
Member SDC and FMCA
Keeper of the Studebaker Cruiser Registry


Bob Bryant
04-12-2010, 03:54 PM
When I insured with Hagerty in 2004 they requested a photo and insured the car with a stated value policy. No appraisal required.

04-12-2010, 03:59 PM
quote:Originally posted by Bob Bryant

When I insured with Hagerty in 2004 they requested a photo and insured the car with a stated value policy. No appraisal required.

I went with Hagerty two years ago and the system still worked like this. Fortunately I have not had to file a claim, but they are very realistic about classic cars.

Joe Roberts
'61 R1 Champ
'65 Cruiser
Editor of "The Down Easterner"
Eastern North Carolina Chapter

04-12-2010, 04:00 PM
The official SDC appraiser is Bill Oliver at Studebaker Parts & Service in the card file in the back of your Turning Wheels. 1-800 264-5275
1-800 2 64 LARK ! [^]


04-12-2010, 04:01 PM
Thanks this has been helpful. This is the funny thing, they said anyone can give the appraisal, no liscene required. So, why can they not take my word for how much it is worth?......You seen the commercials "PRICELESS" to me. I guess thats why. Is there anyone near York,SC that wants a free lunch. Come appraise my car and I will provide the lunch. Thanks Again...

Domenic Manera
1954 Regal Starlight Coupe

04-12-2010, 04:48 PM
I wonder how one would arrive at a car like Domenic's- truly a stunning restoration[:p]. How about a picture, Domenic?:)

Robert (Bob) Andrews- on the IoMT (Island of Misfit Toys)
Parish, central NY 13131
Ephesians 6:10-17

04-13-2010, 09:16 AM
I have a few more finishing touches before I can post further pictures, but they will be coming soon. Thanks for the compliment on the restoration.

Domenic Manera
1954 Regal Starlight Coupe

Pat Dilling
04-13-2010, 10:11 AM
I recommend Grundy, they will write an Agreed Value policy with just pictures, mine is for $42,000. That may be more than it's worth in the market, but it is probably what it would cost to duplicate it if totalled. This is different than a Stated Value which can be adjusted in the event of a claim. It is worth your while to learn the difference between Agreed value and Stated value. My Policy with Grundy also covers road services, travel interruption and even covers a reasonable number of spare parts should my shop be destroyed. You can also get coverage for cars under construction/restoration or even in storage. I found their rates to be considerably less than Hagerty for similar coverage. Their reputation is also stellar, check them out at www.grundy.com.


Pat Dilling
Olivehurst, CA
Custom '53 Starlight aka Stu Cool
'54 Conestoga Future Project
LS1 Engine Swap Journal: http://www.hotrodders.com/forum/journal.php?action=view&journalid=33611

04-13-2010, 10:37 AM
I have all my cars insured with State Farm. They have a good program for classic cars. Check with an agent in your neck of the woods.



07-07-2010, 09:39 AM
Hey, Dominic

I googled and found this site that has offices in locations near you. I've never used them, but it's worth checking out. Hope this helps.
Auto Appraisal Group
North Carolina: Asheville, Charlotte, Greensboro, Raleigh-Durham, Statesville

South Carolina: Chapin, Charleston, Columbia, Florence, Greenville, Kershaw, Myrtle Beach, Rock Hill, Spartanburg, Sumter

Bob Feaganes

07-07-2010, 10:31 AM
I can do it with a haft dozen good pictures. I'm a court citified expert in Studebaker values due to a court case I testified in Oddly, it was a C-K involved in the case.

07-07-2010, 10:31 AM
Thanks for all of the info this really helps.

07-07-2010, 02:28 PM
I, too, had my insurance company request an appraisal if I want comprehensive, fire and theft insurance. And astonishingly they said "anybody" could do the appraisal. I was taken aback, like Domenic, so I repeated "Anyone?". They said, "yes, anyone". Go figure. I don't intend to insure it as a classic for the very restrictions on use mentioned by 41 Frank. I hope it comes in for around $30,000 (because I have lots more than that into it by now), but most people don't value Studes like we do. I've only had it back home for about a week, parked it out by the road and had a riot watching the heads turn as the cars drove by. That will be its main function, but I want to drive it too! :)

07-07-2010, 05:42 PM
/Cut/I've only had it back home for about a week, parked it out by the road and had a riot watching the heads turn as the cars drove by./Cut/ :)

That may not be the best idea! Many times cars parked on the street have been stared at so hard that the driver just naturally drifts TOWARD it! Just the way drunks follow parked cars, even Police cars and pretty much destroy them!

Just plain Parking on the street itself, can be hazardous to your Studebaker just for the risk factor of it being "keyed", sideswiped or whatever. I show them off on the lawn (if allowed in the Neighborhood) side yard or in the driveway.

07-08-2010, 08:10 AM
Rich, you have no idea of which you speak. I'll put my ideas up against yours anytime. As a warning for others your comments may have an once of merit. As a comment on how I use my Stude, you need a life.

Doug M
07-08-2010, 10:53 PM
I do not understand how someone can spend a lot of time and money restoring a fine Studebaker and not get insurance tell it is completed. When i got my 51 Commander I tryed to get insurence before I went 250 mile to get it. Doug M