my friend was cut off by a guy , made a left right in front of him without looking. he has a 2003 dodge ram. 25-30 mph impact, but the unimount plow was wrecked, the mounting wrecked, and his frame twisted in the front. his ins co, USAA is telling him the plow is personal property and not covered. they are also lowballing him big time on USAA ,and its USAA jerking him around. they are supposed to cover him thru collision and then recoup from the other guy. any advice is welcome. thanks ps- its in NY .