The Importance of Great Insurance (Jason Crashed his Rover SD1) — The Carmudgeon Show Episode Ep. 197

In this episode, Jason explains how he crashed his 1980 Rover 3500 V8 en route to film an episode of Jay Leno's Garage — and explains why it's so incredibly important to have agreed-value insurance on collector cars. === Visit http://JasonSentMe.com to get a Hagerty Guaranteed Value (TM) collector-car insurance quote! === The Carmudgeons are back from Summer Break 2025! And this episode is all about Jason's experience in crashing his Rover SD1 — and explaining the virtues of having great insurance. Earlier this year, Jason got up early morning to drive 400 miles to film an episode of Jay Leno's Garage featuring the Rover (scheduled to be aired August 4, 2025.) Turns out Leno's crew didn't believe the Rover would make it without incident — after all, these cars weren't reliable when new, 45 years ago. As is turns out, Mr. Leno and his crew were right. But the incident wasn't a mechanical issue, it was Jason punting another car while attempting to make a lane change. Jason takes Hagerty's "Never Stop Driving" tagline to heart — and thanks to him checking every insurance box, he believes the Rover isn't a total loss and will be fixed and back on the road. Drive your cars, and it's not a matter of "if," but "when" something will happen. Jason is no stranger to an insurance claim despite this being his first chargeable claim in 30 years. He annihilated a deer in his E30 Touring, got rear-ended in the Honda Beat, and rammed a Cavalier in his beloved Scirocco – the resulting insurance debacle took years off Jason’s life and required a herculean effort to stop the car from being totaled because of its post-crash, actuarial-calculated “actual cash value”, and was a huge factor in Jason seeking out a better insurance company. He found one in Hagerty and its agreed value coverage. After some initial grieving and embarrassment, it's time to focus on the repairs and the opportunity to make this Rare Rover even better: A Series-1 front-end swap, lights, and euro bumpers, perhaps?,Oh, and a top-to-bottom engine overhaul courtesy of Hagerty's Redline Rebuild team in Michigan – more on that coming soon! Having the right insurance coverage is a literal matter of life and death for your cars, don’t skimp on it or you’ll be sorry! For a Hagerty quote, head over to jasonsentme.com Learn more about your ad choices. Visit megaphone.fm/adchoices