ONE OF THEIR INSUREDS HIT MY SON, WE HAVE CONVERSATIONS WITH THE DRIVER AND HE TOOK RESPONSIBILITY UP TO THE TIME THE CLAIM WAS FILED, THE HE AND THE POLICY OWNER REFUSED TO RESPOND TO THE INS COMPANY. GET THIS THAT IS OK IN THE POLICY THEY CAN NOT RESPOND AND NOT BE HELD ACCOUNTABLE AND THE VICTIM ON THE OTHER HAND IS LEFT HOLDING THE BAG. User's recommendation: IF YOU LIKE TO HIT CARS AND NOT BE HELD LIABLE THIS IS THE PLACE FOR YOU.