When our Air was totaled both we and the other driver (who was deemed 100% liable) were insured by State Farm. State Farm paid for the purchase of another Air Dream Performance with considerably less mileage on it, first exhausting the other driver's $100K liability limit and then assessing the remainder of the cost against my collision coverage on a not-at-fault basis. We've had several 6-month renewals since then, but the rate has increased very little (less, in fact, than on our other two cars which have been claim-free).
The only difficulty I had with State Farm was before the car was deemed a total loss. They challenged my use of a body shop that was Lucid-certified because of the high hourly labor rate, although I had no choice as Lucid will not sell parts to a non-certified shop. And they quibbled as the repair estimate just continued to climb and climb as the body shop peeled back the layers of the onion. One of the apparent results of Lucid's amazing space engineering is that behind every inch of the exterior lie layers and layers of hardware and electronics. That's probably why what looks like only fairly minor bumper or panel damage on a Lucid seems to generate 5-figure repair bills.
I was actually relieved when the car was finally totaled, as I had become very leery of that much repair work. I found another Dream Edition identical to the one we lost (except lower mileage), told State Farm what it would cost, and they said fine.
Based on your recommendation of PURE, I decided to get a quote from them for home, auto, and umbrella liability. It was an interesting process, in which I felt as if I was being interviewed for a senior position at a major corporation. However, their claims payment philosophy and the array of their coverage was quite impressive.
So were their rates, which came in at 254% of the rates I'm currently paying for similar coverage. When I declined, they went into overdrive offering different bundling and coverage for only those elements I wanted.
I was tempted by their approach, but I decided to stay with State Farm for now. Other than wanting to keep maximum liability coverage, I had been considering just self-insuring the cars and HO hurricane losses, anyway, as Florida HO rates, which are already in the stratosphere, are on the verge of breaking free of earthly bonds altogether.
