I've only submitted a claim twice in about 3 or 4 yrs. Each time was so easy, no hassle like coming back and back for more info., or delaying claim payment. I had shopped around for the best company and yes, others may have been just a little cheaper but you truly get what you pay for. Any interaction whether a claim or a phone call was handled in a professional and incredibly friendly manner. I really do have piece of mind with this company.