Repeated claim denials AFTER working with customer service each time. The claims reviewers are insulated from customers and don't offer clarity about reasons for denial. Their business model seems to rely on throwing up every conceivable roadblock to a claim, providing the most minimal response allowed by law, and getting a customer to give up. Apparently it's not possible to talk to the claims workers. One must just keep guessing at what they want. I would steer clear of them if you can.