Heaven help you if you have to deal with this insurance company if you've been hit by one of their insured drivers. They will use any and all delay tactics so they won't have to process your claim in a timely manner. It took over a week for the body shop to get authorization to start the repair to my vehicle. Then they only issued a check for the parts not the labor to repair the car!!! I mean really--is it that hard to read page TWO of the estimate to figure out their are labor costs involved to repair collision damage? So a second check will be on its way, but wait . . . it didn't cover all the labor!!! So after contacting them multiple times to "read" the repair estimate to them, I will be receiving a third check to cover ALL the costs that the body shop will expect to paid. I guess they just do any and everything to find ways not to pay on a claim and don't really care if it's an inconvenience to you. Guess it's the business model of the future. We are so on our way to becoming a third world country. It's just pitiful! No integrity or intelligence unless of course they use intelligence to figure out ways to put the screws to you.