I agree. Ask for a different company. A few years back when I hit a deer who couldn't make up his mind if he wanted to cross the road, although Enterprise was closest to my home at the time, I chose another company that at the time worked for me (points!).
It was out of pocket, wait for reimbursement, constant caution to stay within the reimbursed guidelines.
In reference to the upsale attempts, the idea is to take the customer in for a insurance pickup and suggest you take an upgrade, other services. Contractual customers are just the bread, they want to add the butter. For me, I just want the tuna can with them anyway as a neighborhood rental.