This is "the" most dishonest company i have ever encountered. DO NOT trust their reviews because they bought those reviews from Asia. If you dont know what "like company" or "fake review" company is, what those companies are they get pay to write fake reviews and using fake accounts. That being said, this insurrance company will try to scam your money as fast as they can and make you notery meaningless papers. PLEASE READ EVERYTHING before you sign because there is a section where they said "if you complaint we will charge you tripple" if you sign that paper, you will loose all of your money and get nothing back. I have to deal with them about a lost phone for 2 months and they WILL NOT call or accept calls and will never answer your email once they take deductable. They live off of your monthly payment/one time payment and then they will disappear. They still have not refund my money.