I haven't had an accident in more than 10 yrs. I switched to Geico, because I needed insurance and was out of work, and they seemed financially the way to go. I started working again this winter, and not use to long hours on my feet fell asleep at a stop light after stopping and slowly moved into a truck ahead of me. I called Geico immediately and they seem to handle everything efficiently. I didn't get a ticket from the police officer on the scene, and I caused only damage to my car and not a scratch on the truck. Geico decided to drop me a week ago, something with their underwriters. I haven't had an incident like that since. I was just over worked that day, but now I have to look somewhere else for car insurance.