This insurance business is funny,,,when i lived in Michigan, I had my Cd player stolen twice, and Allstate just sent me to a shop to fix the glass, and they also did stereo work so they dealt with the insurance company. It was pretty painless really,,,Allstate even said that they would order the next level up because what I had at the time was discontinued.
Allstate has been pretty good to me,,,BUT i know other smaller companies suck big time..