Do not be fooled by their low rates. I totaled my car almost 3 months ago. You barely ever hear from the adjusters. You have to constantly call/send emails to get a response. They intentionally prolong the process, giving vague reasons and you the runaround. They claim they have issued me 2 checks, one being a payout to get a new car. I have received NOTHING. 3 months later, I still have no car and you can get no answers or action done with them. Go through a legitimate insurance company and don't waste your time. They are seriously a joke.