I don't have a best buy close to me, so that isn't a good option. I got insurance on my Hero8 through amazon with Asurion accident plan. I used it once and it went super smooth. I just said the camera stopped working (I didn't have to say I smashed it into a tree at 50mph) and they gave me a prepaid label to send it in.

It took about a week after they got it and they simply refunded the whole amount, then you go buy another camera and insurance.

Again, I have only used this once, but it went really well. The reviews on amazon are great.