Hagerty insurance

I had Hagerty for 21 years on my 1966 Mustang convertible. No problems, I didn't have any claims. Over Memorial Day weekend, I started the car, kept it in park, and walked to the other side of my garage. When I turned around, the mustang had jumped into reverse and was quickly heading out the door, across the driveway and was stopped by a rather large tree. It was with enough force that not only was the back end heavily damaged, but the entire body/frame was twisted. the doors no longer lined up with the rear quarter panels, the convertible top no longer lined up with the windshield frame, etc.
I called Hagerty, sent pictures of all the damage that showed. They said totaled over the phone, but also said they were required to send an appraiser. This is when I learned how Hagerty works.
The Hagerty we know is just a front end. They advertise insurance, take payments, log claims, etc. Once you file a claim, they turn it over to a subsidary. The sub pays the claims, talks to the body shops, and hires the appraisers. BTW, all the appraisers are independents. Hagerty at this point will not talk to you, nor return any of your calls or emails.
Now in my situation, the appraiser came to my house, looked at the damage on the rear end of my mustang and said "all we have to do is replace a few panels and you can be back on the road in a couple of days." I then pointed out the body was twisted as evidenced by the doors/quarter misalignment, top out of alignment. His reply was "all of these old mustangs would get this way and Hagerty was not going to do a complete restoration job on my car." I told him, I didn't expect a complete restoration, just put my car back to the condition it was before the accident. Long story short, he only submitted the damage to the back end and ignored the rest. I recieved a check from the subsideary for less that half of what the body shops said it would take to fix my car. The body shop I took my car to, understood the situation, did a supplement for the job to fix everything caused by the accident. The shop was also doing weekly calls with the appraiser and the subsideary to get them to understand the full extent of the repairs needed. After a month of this, they agreed the damage was extensive enough to total the vehicle. During this entire time I was trying to get someone, anyone at Hagerty to listen to me but there was complete silence on their end. When the sub agreed the car was totaled, they informed Hagerty who then authorised the report and finally contacted me to inform me the car was totaled, the new amount they would pay and the paperwork I needed to sign off so they could take the car.
In my case, all the problems centered around the independant appraiser being a jerk. Once he came around, events happened the way they should have happened 6 weeks earlier. Hagerty's customer service during this time was crappy. If the car had been totaled for the beginning, I would be praising Hagerty right now, but since there was a glitch in the system, events didn't go smooth, several people spent needless time and effort to correct things, and I can't praise Hagerty for it.