Every insurance company has it's down side. Mostly it involves a claim adjuster that doesn't like you, like motorcycles, or his wife kicked his ass the night before, etc.
I never mess around with any insurance company. If they don't pay up right away, I use an attorney. Auto, motorcycle or house ... get an attorney.
On the same note, I use Foremost and had a claim where my kid dumped one of my bikes. No problems paying, but they should have totaled the bike. Instead they directed the dealer to fix the bike. In the end, after 2 additional adjustments they paid more to fix the bike then I paid for it new.
in my garage now...
2007 Dyna Screamin Eagle ... SOLD !
2011 RGU Merlot SunGlo