Giving one star because there is no zero. Can't speak with a human. They never call you back. They don't reply to emails or it takes a week to get a reply. Took them 5 months to pay my totaled vehicle claim when other driver was 100% at fault and cited. Took haggling a month and a half to get them to pay anywhere near what it was worth. Gave them 12 comparative values for my car and they couldn't use them "because they were not local"; I and the comps were in Ohio; they used values in Chicago! If they promise to call back, don't believe them. They switched adjusters on me 3 times. You will waste your life hassling them and still get nowhere. GET A LAWYER NOW and save yourself the grief!