Has anyone had to USE your insurance?

[vegas80step]

I'm shopping for truck insurance and I was woundering if anyone has USED their trucks insurance and how it went...

I don't care what the person that SOLD you the policy SAID... I wounder what happen when you had to file a claim..

I was leaning towards hagerty, but I will be driving mine to work every day. My only option with them is to say I just happened to take my truck to work that day, but I'm sure they will be able to find some way out of paying me.

So I would really like to get an aggreed value that allows daily drivers. I'm waiting to hear back from my state farm person. I called farmers and they want me to spen $150 to have a third party appraisal... (which I haven't ruled out) but would like to hear what happen when people used their insurance..

thanks for any info/stories...