I have a bunch of friends in the insurance game, but I don’t do it personally.

1st off I would work with a better insurance provider… Geico is notorious for weaseling themselves out of claims… On top of that, the person in a web window chat is NOT making any of these decisions, it’s going to be up to claims if you have an accident. Your history as a customer will come into play when they determine if they even pay you out if it’s in one of those “gray areas” when it comes to definition.

2nd, you want to work with a company where you actually have an agent who is responsible for their own book of business… you develop a relationship with that person, and they will often go to bat for you in a situation where you gave examples. If you have multiple lines of business (home, auto, life, umbrella) with them, it’s going to greatly work in your favor if/when you need to actually file a claim.

I was covering OHV, trailer, and my truck… some items stays with the primary carrier, things like ATV went with foremost insurance. In my current policy, I am covered comp, collision, and liability off-road.

You really need to work directly with an agent who has the ability to talk with underwiring to answer the types of question you are asking.