I had a claim with some merchandise stolen out of my car and i did everything that was asked of me and the claims examiner was useless. She made it were i have just going to give up on the stuff that was stolen from me after one month of total crap. Ms. Jenny Bowling does not belong working with the public, she is a ruthless, worthless person that is there to take the monthly premiums and when you need a claim she denies it. ] FYI keep away form Bear River Mutual in slc utah She was the most unprofessional customer service agent i have ever talked to