This is a very interesting thread. May I ask how your agent found out about the roll bar? Do they do things differently in MD as part of the inspection?
Were I actually in town I'd be happy to help you remove the bar.
I'm not sure what this is all about -- I wonder if they're undergoing some kind of transformation. I've had a variety of providers over the years and for me, SF has unequivocally been the best (though I haven't yet tried All State with Scott!).
When I moved to VA and switched to my current agent, I was very candid with him about tracking the car. His response was that yes: my car is covered in full
as long as I am not driving competitively. Driving on track -- particularly when the event is titled "Driver's Education" is covered in full.
I have this response both in writing and as a voicemail saved on my phone. I'm beginning to wonder if this is not enough CYA, though.
And for the record, I don't recall Hagerty's being all that great a deal. I seem to recall their premium was higher than SF when I looked into using them. And their coverage didn't seem any better.
