I was glad to have OnStar when my daughters car caught fire in a marina parking lot. I could show that the car had been driven 7 miles, when it was parked, when the fire department was called, etc. I could show that what time it had been driven the previous day, current odometer, and that there had been no warnings.
This was the 2nd vehicle that was totaled under my Progressive policy. The other was an Impala that drowned overnight in Manhattan KS. Both first offers were what I expected. The Malibu was totaled in 2020, was 2 years old, and the offer was more than I paid (I stacked a bunch of incentives). The Impala was in 2019. The buy-back amount for the Impala was a steal, but I was not able to get to Kansas to retrieve it. My new tires and rims were worth more parted off the car. The items retrieved from the Malibu smelled awful, and were all thrown away.