# Who is insuring two ways? **URL:** \ **Category:** General G2-Integra & G2IC Discussion\ **Created:** [July 15, 2025, 5:10am UTC](https://forum.g2ic.com/t/who-is-insuring-two-ways/104090 "2025-07-15T05:10:19Z")\ **Posts on this page:** 16\ **Page:** 1
**Author:** ![93IntegraGS](https://forum.g2ic.com/letter_avatar_proxy/v4/letter/9/a6a055/32.png) [@93IntegraGS](https://forum.g2ic.com/u/93IntegraGS)\ **Post date:** [July 15, 2025, 5:10am UTC](https://forum.g2ic.com/t/who-is-insuring-two-ways/104090/1 "2025-07-15T05:10:19Z")
I pay 20$ per month for one way. But with the value of our cars going up, should I consider two way? I would assume that would involve an appraisal. ---
**Author:** ![NFULFX](https://forum.g2ic.com/user_avatar/forum.g2ic.com/nfulfx/32/5_2.png) [@NFULFX](https://forum.g2ic.com/u/NFULFX)\ **Post date:** [July 15, 2025, 10:22am UTC](https://forum.g2ic.com/t/who-is-insuring-two-ways/104090/2 "2025-07-15T10:22:53Z")
What is one way vs two way? ---
**Author:** ![93IntegraGS](https://forum.g2ic.com/letter_avatar_proxy/v4/letter/9/a6a055/32.png) [@93IntegraGS](https://forum.g2ic.com/u/93IntegraGS)\ **Post date:** [July 15, 2025, 12:15pm UTC](https://forum.g2ic.com/t/who-is-insuring-two-ways/104090/3 "2025-07-15T12:15:30Z")
Forgot we live in a bubble in Quebec. Best to let Google explain it: …the minimum required car insurance coverage, which primarily covers your liability for damage or injury you cause to others (third-party liability), but not damage to your own vehicle in an at-fault accident. It’s the most basic level of coverage and is often the cheapest option, but it leaves you financially responsible for damage to your own car if you cause an accident. So I crash into someone, their damage is covered, mine is not. I may get some compensation from government for damage if someone hit and runs me, but not guaranteed. It allows you to reduce insurance cost for older cars. Why would I pay an extra 500$ a year if the book value of the car is 2k$ and deductable is 500 to 1k$ for example. After 2 years of being insured I would start losing money. This is still the case with our cars since the book value is low. But market value is now much higher. ---
**Author:** ![NFULFX](https://forum.g2ic.com/user_avatar/forum.g2ic.com/nfulfx/32/5_2.png) [@NFULFX](https://forum.g2ic.com/u/NFULFX)\ **Post date:** [July 15, 2025, 1:58pm UTC](https://forum.g2ic.com/t/who-is-insuring-two-ways/104090/4 "2025-07-15T13:58:56Z")
Ahhh. Yeah I think that’s on board with “comprehensive” insurance in the US. I’ve always had both regardless of the car being old. Because I live in an area with a lot of underinsured people, it falls on me to get better coverage. It sucks. Insurance is such a scam. I never see any of that money back and it’s really expensive. You can try going with a GRUNDY policy if they are available in Canada. They insure “show” vehicles. Unfortunately, there are many limitations on how it can be used. I’m really overdue to shop around for insurance to see if I can save $. ---
**Author:** ![KatsumotoWorks](https://forum.g2ic.com/user_avatar/forum.g2ic.com/katsumotoworks/32/14037_2.png) [@KatsumotoWorks](https://forum.g2ic.com/u/KatsumotoWorks)\ **Post date:** [July 25, 2025, 10:41pm UTC](https://forum.g2ic.com/t/who-is-insuring-two-ways/104090/5 "2025-07-25T22:41:10Z")
get hagerty bro ---
**Author:** ![NFULFX](https://forum.g2ic.com/user_avatar/forum.g2ic.com/nfulfx/32/5_2.png) [@NFULFX](https://forum.g2ic.com/u/NFULFX)\ **Post date:** [March 19, 2026, 12:30pm UTC](https://forum.g2ic.com/t/who-is-insuring-two-ways/104090/6 "2026-03-19T12:30:58Z")
After Hagerty denied me last year because the cars needed to be garaged, today I submitted another application for Grundy. I may try Hagerty again this year to see whether its policies have changed too. ---
**Author:** ![bonestock](https://forum.g2ic.com/letter_avatar_proxy/v4/letter/b/f07891/32.png) [@bonestock](https://forum.g2ic.com/u/bonestock)\ **Post date:** [March 20, 2026, 1:36am UTC](https://forum.g2ic.com/t/who-is-insuring-two-ways/104090/7 "2026-03-20T01:36:30Z")
![1000007226](https://forum.g2ic.com/uploads/default/original/2X/b/b0cc950a9744fc36217efecb5f7efefc33478a1d.jpeg) Am still insuring two ways. Will ask for a king’s ransom if she gets stolen ---
**Author:** ![NFULFX](https://forum.g2ic.com/user_avatar/forum.g2ic.com/nfulfx/32/5_2.png) [@NFULFX](https://forum.g2ic.com/u/NFULFX)\ **Post date:** [March 21, 2026, 12:34pm UTC](https://forum.g2ic.com/t/who-is-insuring-two-ways/104090/8 "2026-03-21T12:34:08Z")
Grundy just came back to me with a SAFECO quote. Apparently they are a broker? I thought they did their own stuff like Hagerty. Guess not. I’m still extremely frustrated. ---
**Author:** ![jedi14323](https://forum.g2ic.com/letter_avatar_proxy/v4/letter/j/e36b37/32.png) [@jedi14323](https://forum.g2ic.com/u/jedi14323)\ **Post date:** [April 7, 2026, 10:36pm UTC](https://forum.g2ic.com/t/who-is-insuring-two-ways/104090/9 "2026-04-07T22:36:49Z")
I have SafeCo for my DA. An agreed value of $8000. Unfortunately, I was in an accident where the car in front of me drove over a tire and sent it moving into the front of my car. Now they are trying to total my car and trying to use the actual value vs the agreed value in their calculation to deem the car as a total loss. What a scam. ![IMG_2379](https://forum.g2ic.com/uploads/default/original/2X/d/d648f0a29ac1340a03903f9b9b874a53c045777e.jpeg) ---
**Author:** ![NFULFX](https://forum.g2ic.com/user_avatar/forum.g2ic.com/nfulfx/32/5_2.png) [@NFULFX](https://forum.g2ic.com/u/NFULFX)\ **Post date:** [April 7, 2026, 11:08pm UTC](https://forum.g2ic.com/t/who-is-insuring-two-ways/104090/10 "2026-04-07T23:08:23Z")
How can they do that? What the hell? ---
**Author:** ![NFULFX](https://forum.g2ic.com/user_avatar/forum.g2ic.com/nfulfx/32/5_2.png) [@NFULFX](https://forum.g2ic.com/u/NFULFX)\ **Post date:** [April 9, 2026, 6:38pm UTC](https://forum.g2ic.com/t/who-is-insuring-two-ways/104090/11 "2026-04-09T18:38:56Z")
Well I didn’t go through with it with Safeco anyways. I’d love to hear any result with this. I wonder if Hagerty changed their policy regarding the need to be garaged. ---
**Author:** ![jedi14323](https://forum.g2ic.com/letter_avatar_proxy/v4/letter/j/e36b37/32.png) [@jedi14323](https://forum.g2ic.com/u/jedi14323)\ **Post date:** [April 14, 2026, 9:45pm UTC](https://forum.g2ic.com/t/who-is-insuring-two-ways/104090/12 "2026-04-14T21:45:50Z")
SafeCo used the Actual Value to Repair Cost to determine if my car was a total loss. The headlights, JDP Lip, bent Greddy SP2 exhaust, and having to repair the rear bumper pushed it well over the Actual Value. For payout the Agreed Value minus deductible minus salvage value. I opted to retain the car. After repairing the car, getting a new windshield, repainting the side mirrors, and getting another JDP Lip I will have some money. That even accounts for replacing my Greddy SP2 with Greddy’s new SP exhaust. ---
**Author:** ![NFULFX](https://forum.g2ic.com/user_avatar/forum.g2ic.com/nfulfx/32/5_2.png) [@NFULFX](https://forum.g2ic.com/u/NFULFX)\ **Post date:** [April 15, 2026, 10:45am UTC](https://forum.g2ic.com/t/who-is-insuring-two-ways/104090/13 "2026-04-15T10:45:52Z")
Ugh! I have to look into how the agreed value plays into a claim, I was just thinking they would cut a check for the amount and let you keep it. 😖 ---
**Author:** ![NFULFX](https://forum.g2ic.com/user_avatar/forum.g2ic.com/nfulfx/32/5_2.png) [@NFULFX](https://forum.g2ic.com/u/NFULFX)\ **Post date:** [April 15, 2026, 12:14pm UTC](https://forum.g2ic.com/t/who-is-insuring-two-ways/104090/14 "2026-04-15T12:14:15Z")
Florida, Colorado, and California get screwed for some reason. > **[Eligibility Guidelines | Hagerty Insurance Agent Business Center](https://www.hagertyagent.com/insurance/eligibility-guidelines)** ---
**Author:** ![Armed\_Ferret](https://forum.g2ic.com/letter_avatar_proxy/v4/letter/a/8491ac/32.png) [@Armed\_Ferret](https://forum.g2ic.com/u/Armed_Ferret)\ **Post date:** [April 20, 2026, 3:18am UTC](https://forum.g2ic.com/t/who-is-insuring-two-ways/104090/15 "2026-04-20T03:18:50Z")
CO is because of hailstorms. From the cars here in the Springs, it’s a common enough thing. Hagerty wants 2x the quote I got from Progressive for the Tamarit, but given the amount of custom work that went into it, apparently Progressive has the option of paying the agreed value _or_ the “market value” of a similar bike. But if there’s only one on the planet…. /shrug ---
**Author:** ![NFULFX](https://forum.g2ic.com/user_avatar/forum.g2ic.com/nfulfx/32/5_2.png) [@NFULFX](https://forum.g2ic.com/u/NFULFX)\ **Post date:** [April 20, 2026, 3:43pm UTC](https://forum.g2ic.com/t/who-is-insuring-two-ways/104090/16 "2026-04-20T15:43:23Z")
“or” sounds like “the lesser of the two”. It’ll always be in its best interest. I’m still paying a lot for a not much coverage. 😖