haggerty just offered Matt 3x initial XJ investment to keep with clean title, or 4x to turn over to them after a front end smack/air bag deploy when he got pinched in a front and rear inpact from panic brake infront of him.
(no real damage to XJ other than air bags)
i have never used auto insurance (knock on wood) other than when a safe lite van kicked up a rock and broke my RAM windsheild, was replaced for free.
its all basically like gambling.