I don't know about American Collectors, but I have Hagerty Collector
Car Insurance and couldn't be happier. I had a claim for damage to the
side of our 82. They responded instantly and told me to go to a shop
of my choice, which I did. They worked with the shop, and all was
taken care of within a couple days ('cept for the work will take
longer). Great people to work with. I have heard same from others.
Agreed Value premiums appear to be very competitive.

I have had American Collectors for my "86 and needed to put in a claim. This
was in 2003. The basketball net fell on the hood and windshield  from heavy
winds (no rain) in my driveway.  I had to respray the whole front end and
replace the windshield.  They gave me most of the repair bill----I paid more
because I wanted the hood done right and had some air bubbles on the door
also to take care of at the time.  No problem at all- the check came in a
week after a visit from one of their reps.
I just had to show the car "is" garaged and was in the driveway at the time
due to repair work I was doing. He did check the miliage which is the only
time they have bothered. I was actually surprised at how easy it was.  I
have an agreed value policy with them but they keep changing their company
name.  Now it's Infinity.      Good luck with the car

                                        Joe

I think Bob G on here has American Collector's and has had a claim.  Maybe
he will speak up.

There is a guy on Corvette Forum that "went deer hunting early" (search for
that) with a '66 and took out his front end.  He has them but hasn't
responded yet as to how the claims service turned out.

I have them, too, and haven't had a claim, and hope I never do, but I would
like to know how they fare as they are much cheaper than Haggerty.  They
seem a bit more restrictive, with the 2500 miles definitely spelled out
(Haggerty is vague on that, sometime they claim 2500, sometimes they don't).

Bart:
 Sorry for the LATE reply but I left for the Adirondack Vette weekend
on the day you posted your question and did not return home until late
yesterday....

BUT YES... I did file a claim with American Collectors....

First the BAD Part:  

   It took them 3 days to get an adjuster out to look at my car....
They have their own adjusters and the adjusters are NOT local guys
(unless your lucky) so you have to wait until they get one out to
you...

Now the GOOD PART:
   
The adjusters they use are CAR GUYS....mine happened to be a Mopar
NUT... but he understood my concerns even before I opened my mouth and
started asking questions... then he explained how they go about paying
for the repairs.... Say you ripped open your oil pan...it is NOT a
part that wears out... so they cover its replacement 100 percent...
Say you ripped off your entire exhaust system...this is a part that
does wear out so they cover it in full for the 1st year 90 percent in
the second year 80 percent in the 3rd year etc... mine was actually 3
years old BUT I had not driven the car but 1000 miles so they covered
it 100 percent...

They do not and will not require, suggest, or badger the shop  the use
of aftermarket parts to fix the car...and authorize regular NEW GM
parts.. when these are not available...the choice is up to ME not them
as to which part to use...

Long story short...
ABSOLUTELY NO HASSLE or problems in getting my car fixed... either to
me or the shop... I'm happy....

And even happier that they have not raised my rates a single penny in
the last  4-5 years since I pulled off my STUPID act of a lifetime
trick...

They will insure my 5 Corvettes forever as far as I am concerned...

Bob G.