Well, it happened to us. Our RV was parked in our driveway and a driver with a so-called medical condition, claimed to have blacked out and smashed into our motorhome. Have never had to file a claim before and we have the Hartford through AARP. I do nor know what type of insurance coverage the ,ahh, idiot has. I have full coverage myself, we are wondering about loss of use and diminished value. Has anyone else had dealings with claims at the Hartford?