This is by far the worse company to have. They keep increasing the price each year, even when you renew their policy, customer service is really bad and their underwriter takes forever to get back to you with answwers. In my incident, they took more than 3 months to get back to me and they decided to blame me for the incident when the fault was the other person. I had proof and they rejected it. Do not use this company and stay away from them.