I have been with this company for a long time. It was just out of laziness, that I didn't change sooner. Their policies are so long and complicated, it is impossible to comprehend. I have only had to file a couple of small claims, and I was never happy with them. Recently, I had a larger claim, and I am very angry with them! I personally feel this company is a rip-off, and will find some reason or another, not to reimburse you what you deserve. I love the new company, I am with. I'm just sorry, that I didn't change sooner!