I also had a bad claim experience with them in 1998. NEVER again.

Mother's day 1979 on a two lane bridge we got into a head on with an illegal sniffing silver paint out of a coke can, he had no insurance. Our insurance paid the loss (totaled) less the deductible. They were going for reimbursement of the deductible from the illegal, they made arrangements with the illegal to make the payment, he was released from jail and promptly fled to Mexico. End of story.