[drivetolive]

I'm curious to hear about your experiences in Ontario with insuring your Z4 M Coupes. Current Blue/Black Book Value is $6,500, yet the market value is obviously much higher.

My insurance company (AllState) is indicating they will only cover the Blue/Black Book Value if the car is deemed a total loss. However, the Customer Service Agent also seemed a little unsure and said that any applicable payouts or values can't be determined until there is an actual incident. They also indicated getting an appraisal is futile.

My company did recommend pursuing a policy with Haggerty, who I will be following up with. But I am curious what others' experiences are with the various companies in Ontario?

Thanks.