Occasionally (every 2-3 yrs) they have been demanding proof of insurance even though we have never been late (automatic debit) on a payment to them or to our insurance (also automatic). From all the horror stories I hear, its only a matter of time they decide they've never received proof (even though insurance automatically sends such each renewal, and upon receipt of such letters, I fax proof 2x a week for 2 months, never getting a confirmation) and sign us up w/ their insurance. I am seeing potential scam here. Their records keeping must be abysmal. I always advise people, stay away from Green Tree. They should be audited