I ran over a submerged concrete pier (not on the charts ) and trashed the sterndrive in my old boat. My marina gave me a quote the next day, and State Farm had a check in my hands 3 days later, no problems or issues what-so-ever.
You can find pissed-off employees or customers with any large corporation, I don't care which one it is. They must be doing something right becasue they have millions of policy holders.
Of course if they jerked me around on the accident, I'd be on the other side of the fence, but they didn't.