Dennis we have geico insurance and used it one time with success 5 or 6 years ago when a run away pick up truck (paperboy jumped out of truck on a flat surface at the Cattail Cove Ranger Station and down hill the truck went.) The PU went over the bank and T-Boned the right rear side of my Winnebago wiped out our propane system. It was 5 AM and the wife and I were sleeping. Geico had our coach towed to 3 T’s in LHC. This accident happened in Dec. so I couldn’t get any parts from Winnebago factory closed down for Christmas Vacation so had to wait until second week on Jan. To get parts. Geico paid for everything including our trip back to WA. ST. Rooster