I learned the hard way about insurance companies. I had all of my insurance with Germania for many years. And I have a lot of insurance. Cars, trucks, tractors, 4 boats and a slew of rent houses. Never had a claim until an under insured motorists hit me and totaled my truck and put me in the hospital. Germania was horrible. Before you choose a insurance co. Go to your local body shop and your local rental car location and ask them about dealing with the particular co. Bay far the worst is Gieco and the Germania.