The coverage that they advertise for MBI is complete waste of money. My AC does not work and Geico will not cover it. The damage that was done is not within the scope of the exclusions on this policy, which has a $250 deductible. They are trying to tell me that because something hit it, possibly a rock (which can not be proved) it is considered a collision and will cost me my $500 deductible... complete ****!