I never write reviews but this experience has been so horrible that I am compelled to write this review to hopefully help someone else out. I've been with this company for years for auto insurance and I am a customer who pays ANNUALY up front. I had a claim as my vehicle was stolen. It took almost a full year until I had been denied a claim. The company was sooooo dirty in trying to find ways of how I breached my policy so that they could deny me. They tried little tricks here and there to claim I had been dishonest, which I wasn't! I had to retain counsel because it got to the point of harassment and unfair treatment. They finally denied me because my lawyer kept telling them the documents they asked for were irrelevant, which they were and kept asking for representation on their end so he could have a fair and legal conversation. They refused, and denied me for not 'cooperating'. On top of this, they took my car after it was found and had it at an auction place without telling me where it was !!!! Until they denied me of course. All I can say is PLEASE stay away from this company, their motto is DENY, DELAY, DEFEND. They are HORRIBLE when you make a claim and need their help.