I was disappointed with the way that this insurance plan was presented to me. Specifically in regards to the deductible - where I was told there was a $250 deductible. I wasn't informed that there's a $250 deductible for each separate incident - which greatly reduces the insurance company's responsibility and paying any claims. On the subject of claims, although the staff is always friendly - i'm reminded that I'm dealing with an insurance company whose goal is to pay as little as possible. Ultimately I'm glad I have insuranceâ€¦ But I wish it were consumer rather than company based.