hope no body else has to deal with this company! as my wife was hit by someone who had this insurance and they acted like we had done something wrong! they didn't send someone out to look at the damage of the car! they wanted us to take pics and send to them so they can use an APP!!! it took two months for them to finally say my car was a total loss! and then they didn't want to pay what it was worth, it took more time to make a deal, and was treated like I was the bad guy who hit their car!