Having insurance with them probably isn't a problem. Being hit by one of their insured is. Clearly the parent company is just as responsible for the business model. You can buy an awful lot of advertising with claims money you deprive people of.
Ted
I always had State Farm when we lived in NC and never considered Geico because I was happy plus did not want to be insured by my employer. I don't imagine suing Geico to collect would have thrilled my boss.