We have been using this insurance for a long time now. they are very helpful and gets right to the problem very quickly. we had a broken windshield and they had someone out to our house to take care of it no charge right away. my son was in a accident where someone ranned him off the road and they left , well they got me all the info i needed and got this going right away. The other night we hit a deer and they are already getting on it theres' no deductible for it.