If I could give you -10 I would. What a nightmare. They never return your VM, when they finally get a hold you it is after you threaten them with legal action. They low ball you when you file a claim against their insured, then will do anything they can to claim it was not their insureds fault. They make up BS to weasel their way out of resolving additional issues that come up during the repair process. Cut rate insurance at its finest. Stall, lie, deny and badger people that file a claim against them. The State Insurance Board will be hearing about this whole NIGHTMARE soon. If one of their insureds hits you...good luck and I hope you have the patience of a saint...you will need it...that's if they get back with you at all.