If there were no stars that's what this so called company would get.....I'm in the process of claiming which has been ongoing for 2 months.....no updates are given and nothing is proceeding unless I call them which I do relentlessly....call handlers have NO idea about claims and I keep getting told the same old information...I have photos, video and an independent witness stating I was not to blame Which they have but still they are dragging their heels in giving me my excess back...will never use this company again....absolutely appalling....DO NOT USE THEM!!!!!!!