I have settled many many accidents outside the insurance company. I currently have six vehicles insured. I used to have nine when all my kids were driving at once. You can get a claim any day, or more accurately you could have two or three in a day.

I have never had a bad experience from it.

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[SIGPIC] Diesel loving autocrossing grandpa Architect. 08 Dodge 3/4 ton with Cummins & six speed; I have had about 35 benzes. I have a 39 Studebaker Coupe Express pickup in which I have had installed a 617 turbo and a five speed manual.[SIGPIC]

..I also have a 427 Cobra replica with an aluminum chassis.