Does anybody know how Hagerty feels about cars being used for occasional open track days? The car would obviously not be insured during any on-track (or would that be off-track? ) incidents, but I've never heard if that is within their rules. I certainly have more invested in my car than a regular insurance company would ever give me for it, so I don't want to get stuck with regular insurance. In my case, my Z is a rust-free southern car with the usual mild engine mods, new springs, bars, dampers, bushings, 16" Panasports, nice interior, etc, but the car hasn't been painted yet, so it doesn't look like much to the non-Z guy. The car will be in the garage 80% of the summer and will never come out in bad weather or over winter, but I do plan on hitting one or two track days each year once the car is completely proven out on the street. Even though it doesn't look pretty yet, I have between $6000 and $7000 in my car so far and would hate to have to settle for pennies on the dollar with a regular insurance company. I have owned the car for many years and am just now getting it ready to go on the road for the first time, so I will need insurance within about a week. Do I NEED an appraisal for Hagerty? If so. how do appraisals work on 'ugly' cars?