[Alan A]

I’d had them for years. Across multiple old cars before this. No claims and I assumed they were decent based on everyone saying same.

Had an accident in my garage, doing something dumb - my car has a remote start on my phone and I hit it by accident while installing a new power steering reservoir to fix a cavitation issue.

It was in gear. Lurched forward and hit a stool. Broke the grille, bent the front valance, banged up a headlight mount and a couple of other minor pieces. Ended up being about a $6k oopsie.

The problem was the broken grille. They are like hens teeth and not cheap should you manage to find one.

The settlement offer was a joke - less than the cost of a beat up grille and less than 1% of the agreed value - and they were zero help in finding a replacement (which is part of their pitch). They refused to negotiate and broke off communication. IANAL and it wasn’t worth paying one for something that small.

Then to add insult to injury they dropped me at the renewal because - get this - my wife [who wasn’t even on the policy] was in an accident the same year in her daily. She was rear ended…

F. Hagerty. I’ll use my regular insurer before I give them a penny.