{"version":"1.0.0","episode":{"title":"Owning the Future of Enthusiast Insurance: A Conversation with Jeff Briglia","url":"http://getcarcurious.com/episodes/owning-the-future-of-enthusiast-insurance-a-conversation-with-jeff-briglia","audioUrl":"https://traffic.megaphone.fm/HGM4553001999.mp3","description":"As the year comes to a close, it’s time to reflect on what truly moved the needle.\n\nBryant Kolle and John Gessner look back on a year defined by growth, community, and meaningful industry insight. They’re joined by special guest Jeff Briglia, President of Insurance at Hagerty. Jeff shares his career journey through companies like of Plymouth Rock, and what makes Hagerty genuinely different in insurance.\n\nThe conversation explores customer-first culture, shifting generations of car enthusiasts, and what it all means for agents today. \n\nHere’s what we’ll cover in this episode:\n\n(00:35) Reflections from The Accelerator in 2025\n\n(06:01) Career shift for work-life balance\n\n(06:38) Pivoting to Progressive\n\n(10:47) Plymouth Rock’s market mastery\n\n(16:07) Hagerty’s classic car expertise\n\n(17:14) Building connection through car restoration\n\n(21:52) Enhancing insurance for modern needs\n\n(25:09) Adapting to today’s car owners\n\n(27:26) Cross-functional growth through curiosity\n\n(31:38) Hagerty’s distribution and partnerships\n\n(35:07) Supporting independent agents\n\n(37:07) Specialized car insurance guidance\n\n(42:23) Being a force for good\n\n(44:47) Generational shifts and future solutions\n\n(46:50) End better, be good\n\nLinks mentioned in this episode:\n\nConnect with Jeff Briglia on LinkedIn\n\nThe Hagerty approach to collector car claims: https://www.hagertyagent.com/resources/hagerty-insights/accelerating-trust-hagerty-claims-team \n\nThe difference between ACV, Stated Value, and Guaranteed Value®: https://www.hagertyagent.com/resources/hagerty-insights/guaranteed-value \n\nHagerty’s Cars You Should Know for agents and brokers: https://www.hagertyagent.com/resources/hagerty-insights/cysk-shift-into-high-gear-for-a-winning-year-ahead \n\nSend your questions and feedback to Bryant and John at theacceleratorpodcast@hagerty.com"},"annotations":[{"startTime":851.7,"endTime":872.9,"type":"company","title":"Hagerty","url":"/glossary/hagerty","quote":"But I didn't get into Hagerty because I've got a Mustang in my garage and really wanted to be with Hagerty. But really, really good here.","canonicalId":"company:hagerty","priority":0.9,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"Hagerty is a well-known insurance company that specializes in classic and collector cars. They provide coverage tailored to the unique needs of car enthusiasts and collectors.","simplifiedExplanation":"Hagerty is a company that offers insurance specifically for classic cars. They help people protect their valuable cars with special insurance plans."}},{"startTime":853.8,"endTime":858.06,"type":"car","title":"Ford Mustang","url":"/cars/ford/mustang","image":"https://upload.wikimedia.org/wikipedia/commons/1/13/1966_Ford_Mustang_coupe_white_001.jpg","quote":"But I didn't get into Hagerty because I've got a Mustang in my garage and really wanted to be with Hagerty.","canonicalId":"car:ford:mustang","priority":0.5,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"The Ford Mustang is a classic American muscle car known for its performance and iconic design. It has been a symbol of American automotive culture since its introduction in the 1960s.","simplifiedExplanation":"The Mustang is a popular sports car made by Ford. It's known for being fast and stylish, and many people love it for its powerful engine and design.","imageAttribution":"Hans-Jürgen Neubert (CC BY 4.0)"}},{"startTime":945.2,"endTime":950.1,"type":"term","title":"classic cars","url":"/glossary/classic-cars","quote":"...if you're getting into even a 20-year-old car, a 25-year-old car, it's not what the typical body shops look at each and every day...","canonicalId":"term:classic-cars","priority":0.5,"confidence":0.85,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"Classic cars are typically defined as vehicles that are at least 20 years old and often have historical significance or unique characteristics. They can be more challenging to repair due to the availability of parts and specialized knowledge required.","simplifiedExplanation":"Classic cars are older vehicles, usually at least 20 years old, that are often valued for their history and design. They can be harder to fix than newer cars because they may need special parts."}},{"startTime":984.6,"endTime":986.7,"type":"term","title":"parts","url":"/glossary/parts","quote":"...and they know where all the parts are. So you think about it if you had pick a really old car like a 57 Chevy Bel Air...","canonicalId":"term:parts","priority":0.5,"confidence":0.85,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"In the context of classic cars, 'parts' refer to the individual components that make up the vehicle. For older models, sourcing these parts can be challenging since they may no longer be manufactured.","simplifiedExplanation":"'Parts' are the different pieces that make up a car. For older cars, it can be hard to find the right pieces because they might not be made anymore."}},{"startTime":986.68,"endTime":991.16,"type":"car","title":"Chevrolet Bel Air","url":"/cars/chevrolet/bel-air","image":"https://upload.wikimedia.org/wikipedia/commons/c/cd/1955-1957_Chevrolet_Bel_Air_in_the_SunRice_Festival_parade_in_Pine_Ave.jpg","quote":"...if you had pick a really old car like a 57 Chevy Bel Air, if you need a certain part for that, they just don't make them anymore.","canonicalId":"car:chevrolet:bel-air","priority":0.5,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"The Chevrolet Bel Air is a classic American car that was produced from the 1950s to the 1970s, with the 1957 model being particularly iconic. It is known for its distinctive styling and is a popular choice among classic car enthusiasts.","simplifiedExplanation":"The Chevrolet Bel Air is a famous old car from the 1950s, especially the 1957 model. It's loved by collectors for its unique look and history.","imageAttribution":"Bidgee (CC BY-SA 3.0 au)"}},{"startTime":996.3,"endTime":999.8,"type":"concept","title":"ecosystem","url":"/glossary/ecosystem","quote":"...Hagerty has invested in building up that whole ecosystem so that when that customer has that claim...","canonicalId":"concept:ecosystem","priority":0.5,"confidence":0.8,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"In this context, 'ecosystem' refers to the network of resources, services, and businesses that support the maintenance and restoration of classic cars. This includes body shops, parts suppliers, and insurance providers.","simplifiedExplanation":"An 'ecosystem' here means all the different services and businesses that help keep classic cars running, like repair shops and parts suppliers."}},{"startTime":1085.3,"endTime":1086.5,"type":"concept","title":"restorer","url":"/glossary/restorer","quote":"...whether you're a racer or whether you're a restorer, or whether you like to just kind of buy and sell the cars...","canonicalId":"concept:restorer","priority":0.9,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"A restorer is someone who specializes in bringing classic or vintage cars back to their original condition. This often involves extensive work on the vehicle's body, engine, and interior to ensure it looks and functions like it did when it was first manufactured.","simplifiedExplanation":"A restorer is a person who fixes up old cars to make them look and work like they did when they were new. They do a lot of work on the car's outside, engine, and inside parts."}},{"startTime":1109.5,"endTime":1112.4,"type":"term","title":"generational car","url":"/glossary/generational-car","quote":"If you've got a car that maybe is a generational car, maybe it's been in the family for 50 or 60 years, and it's got such a deep emotional connection to you.","canonicalId":"term:generational-car","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"A generational car refers to a vehicle that belongs to a specific generation or model lineage, often cherished for its historical or sentimental value. These cars may be part of a family's legacy, passed down through generations.","simplifiedExplanation":"A generational car is a car that has been in a family for a long time, often for many years. People usually feel a strong emotional connection to these cars because of their history."}},{"startTime":1118.2,"endTime":1120.4,"type":"term","title":"Charer Salvage","url":"/glossary/charer-salvage","quote":"We've got a coverage that's called Charer Salvage, which would allow you to keep that car in the event something happens and the car is not repairable.","canonicalId":"term:charer-salvage","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"Charer Salvage is a type of insurance coverage that allows owners to retain ownership of their car even if it becomes non-repairable after an accident or damage. This coverage is particularly valuable for classic or sentimental vehicles.","simplifiedExplanation":"Charer Salvage is a special kind of insurance that lets you keep your car even if it gets damaged badly and can't be fixed. This is important for people who have cars they really care about."}},{"startTime":1389.0,"endTime":1391.0,"type":"term","title":"daily driver","url":"/glossary/daily-driver","quote":"...you've got other daily driver vehicles. You store the car in a garage or in some kind of secure spot...","canonicalId":"term:daily-driver","priority":0.9,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"A daily driver is a car that is used for everyday transportation, typically for commuting or running errands. It's usually a reliable vehicle that can handle regular use without major issues.","simplifiedExplanation":"A daily driver is the car you use most often, like to go to work or school. It's meant to be practical and dependable for everyday needs."}},{"startTime":1407.68,"endTime":1410.22,"type":"car","title":"Mazda Miata","url":"/cars/mazda/mx-5-miata","image":"https://upload.wikimedia.org/wikipedia/commons/6/6e/2021_Mazda_MX-5_Miata_RF_Club.jpg","quote":"...pes of customers.  So maybe you have an old Mazda Miata,  and maybe you have two drivers and two vehicles...","canonicalId":"car:mazda:mx-5-miata","priority":0.5,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"imageAttribution":"Yaktatel (Public domain)"}},{"startTime":1463.2,"endTime":1466.34,"type":"car","title":"Porsche 911","url":"/cars/porsche/911","image":"https://upload.wikimedia.org/wikipedia/commons/c/c6/2013_Porsche_911_Carrera_4S_%28991%29_%289626546987%29.jpg","quote":"Yes, we can do a 2026 new 911 that's coming off. At the dealership today, right?","canonicalId":"car:porsche:911","priority":0.5,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"The Porsche 911 is an iconic sports car known for its distinctive design and performance. The 2026 model will likely feature advanced technology and engineering improvements, continuing the legacy of the 911 series.","simplifiedExplanation":"The Porsche 911 is a famous sports car that has been around for many years. The 2026 model will have new features and improvements, keeping it popular among car enthusiasts.","imageAttribution":"David Villarreal Fernández (CC BY-SA 2.0)"}},{"startTime":1512.7,"endTime":1515.4,"type":"car","title":"Mazda MX-5 Miata","url":"/cars/mazda/mx-5-miata","image":"https://upload.wikimedia.org/wikipedia/commons/0/01/1991_Mazda_MX-5_Miata_%289207308719%29.jpg","quote":"It's now, it's a Miata or it's a newer Porsche or it's something, you know, something of that era.","canonicalId":"car:mazda:mx-5-miata","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"The Mazda MX-5 Miata is a lightweight two-seater sports car known for its fun driving experience and affordability, making it a favorite among car enthusiasts.","simplifiedExplanation":"The Miata is a small, fun sports car made by Mazda that many people enjoy driving because it's light and easy to handle.","imageAttribution":"Niels de Wit from Lunteren, The Netherlands (CC BY 2.0)"}},{"startTime":2223.7,"endTime":2227.8,"type":"term","title":"guaranteed value coverage","url":"/glossary/guaranteed-value-coverage","quote":"So, and the simple example being from a Hagerty perspective, all of our physical damage coverage is guaranteed value, right?","canonicalId":"term:guaranteed-value-coverage","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"Guaranteed value coverage is an insurance policy feature that ensures a vehicle is insured for its agreed-upon value, rather than its depreciated market value. This is particularly important for classic and collector cars, which may appreciate over time.","simplifiedExplanation":"Guaranteed value coverage means that your car is insured for a specific amount that you and the insurance company agree on, rather than just its current market value. This is useful for classic cars that can be worth more than their age suggests."}},{"startTime":2242.5,"endTime":2245.2,"type":"term","title":"actual cash value policy","url":"/glossary/actual-cash-value-policy","quote":"it's typically going to be an actual cash value policy, right? Which means that that customer is not necessarily going to get what they want if that car is totaled, right?","canonicalId":"term:actual-cash-value-policy","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"An actual cash value policy is an insurance term that refers to the amount an insurance company will pay for a totaled vehicle, which is typically the market value of the car at the time of the loss, minus depreciation. This means the payout may not cover the full replacement cost of the vehicle.","simplifiedExplanation":"An actual cash value policy is a type of car insurance that pays you what your car is worth at the time it gets damaged or totaled, not what you paid for it. This amount usually goes down over time as the car gets older."}},{"startTime":2409.9,"endTime":2414.8,"type":"car","title":"Sunbeam Tiger","url":"/cars/sunbeam/tiger","image":"https://upload.wikimedia.org/wikipedia/commons/3/38/1965_Sunbeam_Tiger_HCC23.jpg","quote":"So I bought a 1966 Sunbeam Tiger. So, and if you don't know about, and so Brian, you and John probably know about Sunbeam Tigers, but I'm sure not everybody listening knows about those, but they're a really interesting car.","canonicalId":"car:sunbeam:tiger","priority":0.9,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"The Sunbeam Tiger is a British sports car produced in the 1960s, known for its powerful V8 engine and lightweight design. It was based on the Sunbeam Alpine and is often referred to as the 'poor man's Cobra' due to its similar performance characteristics and styling.","simplifiedExplanation":"The Sunbeam Tiger is a classic sports car from the 1960s. It's famous for being fast and sporty, and it's often compared to the more expensive Shelby Cobra because it has a similar engine and style.","imageAttribution":"MrWalkr (CC BY-SA 4.0)"}},{"startTime":2421.1,"endTime":2426.2,"type":"term","title":"Cobra engine","url":"/glossary/cobra-engine","quote":"...the reason why is it's got a cobra engine in it.","canonicalId":"term:cobra-engine","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"The term 'Cobra engine' refers to the high-performance V8 engine originally developed for the Shelby Cobra sports car. This engine is known for its power and performance, making it a popular choice for various performance vehicles, including the Sunbeam Tiger.","simplifiedExplanation":"A Cobra engine is a powerful V8 engine that was used in the famous Shelby Cobra sports car. It's known for making cars very fast and is sought after by car enthusiasts."}},{"startTime":2423.98,"endTime":2426.16,"type":"car","title":"Shelby Cobra","url":"/cars/shelby/cobra","image":"https://upload.wikimedia.org/wikipedia/commons/f/ff/1964-05_Training_-_Shelby_Cobra_v._Bondurant_u._Neerpasch.jpg","quote":"...eresting car.  They've been called the poor man's cobra  and the reason why is it's got a cobra engine in...","canonicalId":"car:shelby:cobra","priority":0.5,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"The Shelby Cobra is a high-performance sports car that was originally produced in the 1960s, known for its powerful V8 engine and lightweight design. Often referred to as the 'poor man's Cobra,' it has become iconic in automotive culture due to its racing pedigree and striking design. The Cobra is frequently discussed for its influence on American muscle cars and its enduring popularity among collectors.","simplifiedExplanation":"The Shelby Cobra is a classic sports car that became famous for being fast and powerful. It has a strong engine and a unique look, making it a favorite among car lovers and collectors.","imageAttribution":"Spurzem - Lothar Spurzem (CC BY-SA 2.0 de)"}},{"startTime":2429.2,"endTime":2433.1,"type":"part","title":"V8 engine","url":"/glossary/v8-engine","quote":"So it's got a, this particular one's got a V8 and 260, 260 cubic inch engine in it, but the body is not a Ford body...","canonicalId":"part:v8-engine","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"A V8 engine is an eight-cylinder engine configuration where the cylinders are arranged in a V shape. This design allows for more power and smoother operation compared to smaller engines.","simplifiedExplanation":"A V8 engine has eight cylinders arranged in a V shape, which helps it produce a lot of power and run smoothly. It's commonly found in larger cars and trucks."}},{"startTime":2455.8,"endTime":2457.24,"type":"car","title":"Sunbeam Alpine","url":"/cars/sunbeam/alpine","image":"https://upload.wikimedia.org/wikipedia/commons/4/4f/1961_Sunbeam_Alpine_Harrington_Le_Mans.jpg","quote":"...but the body is not a Ford body, it is a British Roadster car...the same body with a different engine was called the Sunbeam Alpine.","canonicalId":"car:sunbeam:alpine","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"The Sunbeam Alpine is a British roadster that was produced in the 1950s and 1960s. It is known for its sporty design and was popularized by its appearance in the James Bond film 'Dr. No.'","simplifiedExplanation":"The Sunbeam Alpine is a small British sports car that was made in the 1950s and 1960s. It's known for being fun to drive and has a classic look that many people love.","imageAttribution":"Calreyn88 (CC BY-SA 4.0)"}},{"startTime":2466.0,"endTime":2467.1,"type":"car","title":"Alpine","url":"/cars/alpine/a110","image":"https://upload.wikimedia.org/wikipedia/commons/d/de/Alpine_A110%2C_Motorworld%2C_Munich_%28IAA10018%29.jpg","quote":"...but it was supposedly a Tiger. So I can't wait for it to get here.","canonicalId":"car:alpine:a110","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"Alpine is a French manufacturer known for its lightweight sports cars, particularly the A110 model, which gained fame in the 1960s and 70s for its performance in rally racing.","simplifiedExplanation":"Alpine is a brand that makes sporty cars, and the A110 is one of their most famous models from the past.","imageAttribution":"Matti Blume (CC BY-SA)"}},{"startTime":2641.6,"endTime":2647.2,"type":"car","title":"Pontiac Trans Am","url":"/cars/pontiac/trans-am","image":"https://upload.wikimedia.org/wikipedia/commons/8/86/Pontiac_Firebird_Trans_Am_Bahrain.jpg","quote":"...like those young people like myself that have those 97 transams, the 2007, you know, whatever it might be that you grew up in high school with.","canonicalId":"car:pontiac:trans-am","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"The Pontiac Trans Am is a performance vehicle that was part of the Pontiac Firebird lineup, known for its sporty design and powerful engine options. It has a strong following among car enthusiasts, especially those who appreciate American muscle cars.","simplifiedExplanation":"The Pontiac Trans Am is a sporty car that was popular in the 1970s and 1980s. It's known for its powerful engines and cool design, making it a favorite among car lovers.","imageAttribution":"Mohammed Hamad (CC BY-SA 4.0)"}}],"speakers":[{"id":"s1","name":"Hagerty","role":"host"}],"transcripts":[{"url":"http://getcarcurious.com/episodes/owning-the-future-of-enthusiast-insurance-a-conversation-with-jeff-briglia/transcript.vtt","type":"text/vtt"}]}