This company is a total scam. It took them over a week to give my repair shop an approval for one out of five items in the estimate. I had to be without transport and rely on rental and loaner cars. They sent the approval late on Friday afternoon before a long weekend. It was until mid morning the following Tuesday that the estimate was confirmed. Once the shop complete the work it demanded to be paid while the complete bill was sent to OxCar Care for reimbursement. Contrary to the practice and reimbursement less the $100 dollar copay the made an excuse to and called it a default of the contract and found all excuses to not pay! Also once I asked for cancellation of the agreement. Though no payment was made on the contract for repairs the company refused to make a refund of premium paid as no claim has been paid! Every time o spoke to customer representative they would say all the right things but once all paperwork was filed they refused refunds! This company is a total scam!