Happened to me when trying to shop insurance this summer. Need two years of no comprehensives. I have no at fault accidents on my record. I had a deer in one vehicle and a windshield on the LX. Additionally they covered when someone barely hit me but the other insurance failed to pay…. They had to sue. I’m in Maryland. So yeah all comprehensive, not my fault but have to wait until they all clear.Hasnt been my experience in MN at all.