Two data points: I've been with NJM for 20 years or so, got into a single-car accident a couple of winters ago and they paid for all-new OEM parts within like 48 hours, premium didn't increase by a penny. A colleague of mine had GEICO, got rear-ended on the Turnpike (100% not their fault), got the run-around for months to get reimbursed. YMMV