[The_Raging_Bull]

I have NCM insurance. I had an idiot total our 2011 white 2SSRS..he knocked the front end between 15 and 18 " to the passenger side. He was 22, ran a stop sign, hit me across my front end (a t-bone that peeled the front end to the passenger side), no insurnace, and no license..the trifecta wreck !!

After a brief investigation, because you know anyone with a Camaro HAS to to have been speeding....according to him, I used measurements and an online clalcualtor to prove that since I stopped in 26 feet trying to turn to get away from him as he came straight thru the intersection, that when he hit me that I REALLY was only going 25.The NCM guy and the backing insurance for them were straight up, best way I ever saw a wreck like that handled. A true bitter-sweet moment. Only made better by us getting a Z/28.

NCM paid off the agreed on vlaue of the car (The invoice price plus all the trimmings); then added $2100 as I had teh policy at time of wreck for 9 months 6 days..they give you 2% inflaton per quarter. Great deal, we walked away with just under 40K, with absolutely zero issues. He's probably getting sued..he should has he threated to "cut me up"...that w/o ever knowing I had a .45 in the car with me....

Anyway I'd wholeheartedly recommend NCM. Their prices are realy fair, then again I always bid insurance pricing out, but we have an '09 Z06 and a '15 Z/28 insured through them. We used a deductible like everyone else (500) , then we can put 6000 miles/yr on the Z/28 and 3000 miles/yr on the Z06. I think we're paying like 1900/yr...with agreed on pricing on the Z06 at $55K and the Z/28 at $53K. That fully covers each car - the Z/28 is bone stock, but I've got a couple of mods on the Z06.

On settlement: It took about 3 weeks for everythin to go thru, but in the end American Modern Insurance Group (NMC) overnighted the check to us. really quickly given that it took about that much time to talk to everyone, assign blame and detrmine that the car had >$22K in damage...the totalled limit was $18K. As an FYI: American Modern Insurance Group is the insurer for NCM; they were super to work with as well.