Car Accident = car gone

As I said, they will pay you whatever the policy says. If there's no predetermined amount such as "stated" or "agreed" value, then they are bound by the contract to pay as the policy states. All those spouting something different have no clue what kinda insurance you have. Usually, collector type car insurance has restrictions on driving and you cannot use it as a daily driver. I am not familiar with Hagarty, so I don't know how they operate. The bottom line is, NADA value is worthless because you have a contract with the insurance company and THAT is all they are required to fullfill. If I were you, I would get that pup out and read EVERY SINGLE WORD. You might can catch them with one of their own loopholes.