I know my company covers you as long as your in that van
after 10 years you see it more than once,Guy hit deer 5 min from house and set off airbag company didnt sue for van and matter of fact paid him for a week till insurance came through he was out for 60 days or so.My company isnt every company.If you feel your getting the shaft move on and let someone else have it.Lots of jobs to few good techs