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The Mustang and the Tree

VEHICLE INVOLVED1989 Ford Mustang 5.0 LX

WHAT WENT WRONG: If a tree falls on a Ford and no one is around to hear it, does it still make a sound? Take it from us, it does if it’s a classic. The owner of a 1989 Ford Mustang 5.0 LX moved his car from the garage to a temporary shelter while he used the space to work on another vehicle. During the night, high winds and rain pummeled the area, and he woke to find a huge tree branch had crashed on to the Mustang.

DAMAGE/LOSS: The car was a total loss. The roof was crushed, the windshield and side windows were shattered, and the doors and seats received significant damage. And, yes, Hagerty did cover the loss.

LESSON: While it’s best you store your vehicle in a sturdy structure; we know that is not always possible. Should you have to leave your car outside overnight, be sure to check the local weather forecast and plan accordingly.

At the end of the day, even a well-drawn out plan can end in disaster. Take time to have your Hometown agent review your collector car policy to ensure your vehicle’s insured value is up to date. In the event of a covered total loss, you are paid that full amount – less any deductible or salvage value if vehicle is kept.

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Let us review your classic auto coverage and make sure it is up to date! Call Hometown Insurance at 1-800-568-SAVE (7283) or email us at

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