My claims have mostly been with glass, and the company processes my claims without challenge. However, it is odd that they even ask the date of the original damage. You may have a stone chip you don't even notice until cold weather hits and the chip becomes a long crack.
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I was satisfied with the processing time for claims and with the outcome.
Accidents years ago - no problems, concerned about no-fault insurance though!
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My garage was broken into, the thieves trashed my car. MPI gave me a fair and quick settlement.