I was hit by one of their insured drivers. It has been nine days and I cannot get anybody to call me back to file my claim and report. I keep calling and keep sending me to the same contact and she never picks up her phone or calls me back. Luckily my state farm insurance has been excellent and they have started repairs for me and they will recoup their costs from Horace Mann directly. Avoid at all costs I can only assume they treat their insureds the same way.