Dealing with insurance companies sucks regardless of the situation. My wife and I dropped our insurance with USAA and went with a local agent. She was my agent when she worked with farm bureau back in the day. My folks had used her for 20 years. She decided to open up her own insurance company. We dropped our usaa and she under wrote us a policy with another firm.

WORST IDEA EVER! I saved about $140 a month but when I needed the insurance companies help they were no where to be found.

My wife backed into my 350z. Not only did they make us pay a deductible for both cars when the insurance company wanted to use an aftermarket bumper and the shop couldnt get one that was in good shape they painted and installed a new one. Insurance refused to pay for the new oem bumper. I told the shop I wasnt paying and they forked the bill for it but regardless.. One day when I have a crap ton of money laying around I will be opening up my own insurance company.