Quite a few years back I had the pleasure of sticking it to State Farm.
We were renting Vipers on race tracks around the country. I had just bought a two year old GTS and our in our first outing at Mid Ohio I had rented it to a gentleman who was insured by State Farm. We did our homework in crafting our rental agreements. The gentleman in question put my new Viper into the wall and totaled it. We had reviewed his State Farm policy prior to renting him the car and I, in consultation with our lawyer, was pretty confident we were covered.
State Farm of course immediately denied his claim. As he was on the hook if they didn't pay, he pursued the case. After verifying that he was covered for rental cars, and reviewing the rental agreement he had signed with us, they reluctantly made me an offer, something like 50K. I was ready for that and having done the research I presented them with recent sales of the same vehicle in several parts of the company. At the end of the day, they wrote me a check for $75,000.
I believe our renter subsequently had to find a new insurance company.