I have the unfortunate circumstance of living on a curve that is difficult for drivers to navigate. I have had damage done to my property numerous times by drivers with different insurance companies. Of all the companies I have had to file a claim against, Geico has been the most understanding and have followed through with what they said they would do. They have been consistent as well. Never once have they unreasonably questioned the cost to repair damages to my property. This is extremely important for you when choosing a company to represent and protect you if you are responsible for damaging or injuring another person or their property. If your insurance company doesn't treat the victim of your accident fairly, that victim, will most likely end up filling a lawsuit against you to recover damages. They don't need to deal with your insurance company when you are the one at fault because you are the one responsible for the damages, not your insurance company. You don't want your insurance company messing with your financial stability because they want to make money for their shareholders. You buy insurance to stay out of court. If the company is more concerned about their shareholders then they are with protecting you and you wind up in court, your insurance company is not fulfilling their contract with you. In my experience as a claimant with Geico, they are doing what they have contracted to do. As with any purchase of an insurance policy, understand what you are buying, what you are not buying, and don't be afraid to ask questions. Also remember that different market places have different people working in them and a national company may be better at serving customers and claimants based on the caliber of the employees working in those areas than others. Do your research carefully because your understanding of insurance is something that can make a difficult time easier to navigate or make your life miserable.