I used this company in Oregon to insure my car. They always quoted the best rates. When I finally got in an accident, the car was totaled by an uninsured idiot. I didn’t know what to expect but got through to a human being in the claims dept. It wasn’t all plain sailing but, from what friends tell me, I had a good experience. The fair value did turn out that way. I’ve renewed the policy. Guess I recommend them.