Didn't see this coming...

I"m through a local insurance broker. They always check for best/lowest rates for me. They now have me with Progressive. Also have my homeowners insurance through them. Forget the name of the company.

Years ago. I was rear ended at a light. I was in a ford p/u with a big V shaped rear bumper. Only damage I had was a deep scratch in it. Car that rear ended me was all tore up. All that plastic, and thin sheet metal.
Progressive was her insurance. They called me up 3 days later. They really really wanted to replace my bumper. I couldn't. It ain't beautiful anymore is all. I just couldn't see wasting the money. Progressive didn't give up easily. They argued that all that thousands of dollars of damage to her car. And I had a scratch? Please let us replace that bumper! .... hehe... I didn't give in. But was impressed with Progressive.