Paul - we were insured with HDI and I don't know how they would be with an accident claim, but on a total loss, they were awful and I would not recommend them to anybody ! We also got the agent- Mexadventure - involved, but during what we thought was negotiation, they made us a "final offer" and stopped communicating - both parties. They were very short on the truck evaluation and told us that the equipment ($3500 ) was included in that too-low amount. Now I know evaluations can vary quite a bit, but I found all sorts of comparables in the %20,000 + range, where they were starting at 13,000 - apparently trucks are a lot cheaper in Texas, where they got their "comparables" from. Cutting off communication with someone who is being reasonable is not something that should happen in a business transaction and it certainly wouldn't encourage anyone to deal with them again. -RYV