[Chris C 1SS 1LE]

Also...I've found not all insurance is created equal. There is some of the you get what you pay for. This new car replacement BS is one I've found to be a scam. USAA and IMO State Farm tend to b on Cadillac side of things. Neighbor has GEICO and seems OK �� too. Neighbor just had is 2015 vette totalled. USAA had a check to him in a week for retail value plus TTL.

Many times best to consider filing claim on your own then let yours subrogate to at fault party. Faster too.

YRMV. Just sharing my experiences.