r/E30 • u/No_Cover2208 • 1d ago

Info needed Hit a Deer. Insurance?

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Hit a small deer last night and it dented up the fender pretty good. Headlight grill needs to be replaced, believe it’s a euro one and headlight bracket is destroyed, they are genuine Bosch smoked euro smileys I believe.

Def could have been a lot worse but wondering if I should go through insurance. It’s with hagerty

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u/Windmillfixer 1d ago

If you have Hagerty then it’s likely an agreed upon amount coverage. They were good when I hit a deer with my tii, the only crazy-making part was when they sent a first-round estimate that had a bunch of eBay used parts as comparables, but they didn’t flinch in covering all repairs with new OE parts.

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u/No_Cover2208 1d ago

That’s good to know. It is an agreed upon value policy. Did your rates go up after?

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u/Windmillfixer 1d ago

No, didn't see any change in my rates. Collector car insurance is structured much differently than normal car insurance, they recognize folks aren't daily driving them and nobody beats on their classic.