I have never had problems, had usaa and geico for over 10 years now. Have not been in a motorbike crash yet, but I am a "car killer" as my other half labels me. I have totaled 4 cars in the last 7 years, 2 were deers and the others were me getting hit by retards. Never been questioned at all.
I am not calling anyone an ass, but some of the companies do not have very good customer service skills at all and you have to be patient with them.