To begin with I may be partial I work for State Farm. I cannot understand why Progressive would not pay the claim irregardless if a flaw or not. That is the very reason you carry insurance in the first place. ALL Ins. companies that I am aware of would pay the claim and then subbrogate(sue the other party mfg etc) to recoop the expenses but would take care of you the consumer. I am not out to put Progressive down because we all have nightmare Ins. stories myself included because in some instances we don't know all the facts. I shop on a regular basis for car,home life,boat,RV that is the only way to make sure we are competitive. I really feel that if you pay a little more to one company or the other but have a GOOD working relationship with your agent it will make all the difference in the world. Your agent is your mouth piece to the company he/she can do far more than you can on the phone so please sit down and drink a cup of coffee with your agent and give them scenarios that you have heard of or read on the net. Ask them what would happen if your boat came off the trailer at the ramp, lower unit kissing a stump @ 30mph because if they don't have the answer make sure they get one for you. That is why you pay for this stuff demand it or move on....My2cents