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the general auto insurance

Therefore, all the information obtained for this review comes directly from Liberty Mutual Group. Though contract mail carriers are not covered under the federal tort claims act, we have special commercial policies available. Please note, if you are a contract mail carrier, you will have to speak to one of our licensed agents.

Permanent General Companies provides services in Arizona, California, Colorado, Florida, Georgia, Illinois, Indiana, Louisiana, Nevada, Ohio, South Carolina, Tennessee, Texas, Virginia and Wisconsin. Its Web site provides a variety of insurance coverage details for existing policyholders. The company provides services through a network of affiliated agents and has its headquarters in Nashville, Tenn.

  • A.M. Best’s Financial Strength Rating is an independent opinion of an insurer’s financial strength and ability to meet its ongoing insurance policy and contract obligations.
  • Revocation or suspension of your driver’s license or motor vehicle registration.
  • The license of the principal driver of the car is suspended or revoked.
  • These include white papers, government data, original reporting, and interviews with industry experts.

We’ll explain all your coverage options and explore discounts to help you save. The General specializes in auto insurance for drivers who have had car accidents, moving violations, a lapse in insurance coverage or poor credit. DETROIT – For more than 20 years, General Motors’ OnStar brand has empowered customers to drive with confidence, offering services that provide added peace of mind on the road. GM announced today it will take its relentless focus on safety and delivering a world-class customer experience one step further with OnStar Insurance.

Then on Saturday when I looked at my bank account it showed 2 pending payments for The General. When I called them they stated that there was a payment made on Friday, the day I made the payment, and also the next day. They are refunding the second payment, but I will not recommend them in any way shape or form. Each policy is different, though, so it’s important to check the details of your plan if you need full coverage.What states does The General cover? The General writes policies in 44 states.Does The General offer rental car coverage? Contact customer support to verify your policy includes this coverage.Does The General do windshield repair?

They have been around and providing insurance for more than 50 years, so they know what they are doing by now. Overall, Progressive offers more strengths as a car insurance company than National General. Progressive has better rankings for customer satisfaction and financial strength.

How Does Insurify Find Me The Cheapest Car Insurance Quotes?

Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. I’m 36 years old with a clean driving record and no tickets i drive a family car auto insurance new hampshire live in a low crime area and have a college education all things that make me a prime candidate for low insurance rates. I started my policy with the general because i knew i wouldn’t need to file a claim because i don’t get in accidents so i didn’t care that their coverage is sub par. However they use a bait and switch technique to screw people who otherwise wouldn’t be able to get insurance.

A travel plan will ensure nothing spoils your perfect vacation. Please give us a call and our award-winning customer service representatives can help you finish your quote. CGIS maintains a fully operational infrastructure to manage programs with deft underwriting, comprehensive claims solutions, and proprietary policy management software. We understand risk and their unique exposures and leverage our resources and services for our carriers and retail partners.

However, its coverage options are limited, and its policies may be more expensive than you can find elsewhere. Companies displayed may pay us to be Authorized or when you click a link, call a number or fill a form on our site. Our content is intended to be used for general information purposes only. It is very important to do your own analysis before making any investment based on your own personal auto insurance on line quotes circumstances and consult with your own investment, financial, tax and legal advisers. The General Automobile Insurance Services, as it is now known, first started under the name Permanent General Agency in 1963. The General sold insurance products through various companies in the United States for 50 years before becoming a subsidiary of the Permanent General Assurance Corporation.

When comparing quotes, keep in mind that coverages, limits, deductibles, and discounts can have big effects on prices. A small difference in even one of these areas can make a bad quote look like a good one. Be aware that different insurers may not offer exactly the same overall benefits. American Family Insurance Group, including its The General subsidiary, claimed 1.85 percent of the private passenger auto insurance market as of June 2015, the most recent data available from data analyst A.M. That makes American Family the ninth-largest auto insurance carrier among the more than 1,400 tracked by Best. If you have an existing history of accidents or driving violations, it’s important to recognize that you’re more likely to be involved in future accidents.

Even if you have no accidents or tickets or claims in the period of your coverage they will JACK your rates up upon renewal. I went from having 2 cars insured to having 1 car and paying TWICE as much. I’m paying half as much with State Farm and they just sent me a REFUND check for $60 because they said they quoted me TOO HIGH, LOL. That’s something you will NEVER see from the General.

The General® is part of PGC Holdings Corp. and has been wholly owned by American Family Insurance since 2013. American Family Insurance is one of the largest insurance companies in the U.S., with over $20 billion in assets. There are many great benefits of insuring your vehicle with The General®. Once you’ve bought your policy, you can instantly print off proof of purchase.

Car insurance is a financial product that spreads risk and protects against potentially catastrophic financial losses. National General was founded in 1939, and over the last 80 years, has been selling auto insurance to customers across the country. In addition to affordable insurance premiums, the company also advertises reliable claims handling and guaranteed customer satisfaction. National General is best suited for high-risk drivers who need an SR-22 or do not qualify for standard car insurance.

The General can provide you with an SR-22 filing if necessary, and it will add the $25 certification cost to your insurance quote. I did receive paperwork from the DMV this time about this so I was able to catch it. When I contacted The General about this they said that this is what they do when a policy comes up to be renewed. I have never had this with any other insurance company I have worked with. And then the last straw, this past Friday I made my monthly payment over the app.

We also focus on helping those in theLos Angeles & Sacramento area. A.M. Best’s Financial Strength Rating is an independent opinion of an insurer’s financial strength and ability to meet its ongoing insurance policy and contract obligations. Fraud can come in many different sizes and varieties, all of which are costly to New York drivers. It can be as simple as misrepresenting facts on insurance applications and inflating insurance claims or as serious as staging accidents and submitting claim forms for injuries or damage that never occurred.

If you died within that period, The General would pay a death benefit to your family members to help pay for things like tuition and mortgage payments. We may be able to save you up to 25% on your car insurance when you switch to Direct Auto from another insurance company. We can also offer you choices for how and when you pay, so that your insurance payment feels more affordable. Online, over the phone or in-store, your auto quote factors in your individual needs and budget.

If you’ve watched any late-night television over the past decade, you’ve no doubt seen the cheesy ads from insurance provider The General. Peppered by overacting, low production quality and mediocre graphics, and appealing to the difficult-to-insure with a boisterous animated general, the omnipresent ads were hard to miss but easy to ignore. The Office of Attorney General does not make any promises, assurances, or guarantees as to the accuracy of the translations provided. Google Translate cannot translate all types of documents, and it may not give you an exact translation all the time. Anyone relying on information obtained from Google Translate does so at his or her own risk.

But you can always shop around for insurance and use Insurify to have a look at all the cheapest car insurance quotes and discounts for which you may be eligible. The General focuses almost exclusively on providing auto insurance coverage to its customers. It does, however, offerterm life insurance, underwritten by American Family Insurance.Term life insurance covers you for a pre-determined period.

The Insurance Information Institute recommends choosing providers with multiple financial strength evaluations, so this complete lack of evaluation gave us pause. While The General may still have the ability to pay out on claims process it isn’t backed with the same confidence as companies with many financial strength ratings. The General’s main strength is its willingness to insure high-risk drivers, like teens, seniors, or customers with poor driving records or credit.

General Liability, Auto And Property Damage Insurance Programs

They offer monthly payment plans, along with six and 12-month policies. Report– Similar to how your MVR keeps track of your driving violations, your C.L.U.E. report tracks all of yourinsurance claims. Non-standard insurers specialize in offering coverage to those of us with multiple claims within a 3-5 year time frame. 1.Newly licensed drivers– Without a driving history to judge you on, some insurers aren’t willing to take a risk on you.

Your car insurance company is required to give you 10 days notice of cancellation for nonpayment of premium and 30 days for all other reasons. Notice will be mailed or delivered to you, or sent electronically. Your car insurance company is required to give you 10 days notice of cancellation for nonpayment of premium and 45 days for all other reasons. The notice of cancellation will be mailed or delivered to you and any named creditor loss payee.

To ensure you have the most up to date information, you should verify relevant information with the product or service provider and understand the information they provide. If you are unsure, you should get independent advice before you apply for any product or commit to any plan. Ensure your loved ones’ financial future is protected with both life and disability insurance.

The General’s custom equipment coverage will cover damage to those parts. This applies specifically to car parts that weren’t installed by the original car manufacturer. According to the National Association of Insurance Commissioners, The General is licensed to offer auto insurance in all states except Michigan and New Mexico. “My experience was good, people I talked with were courteous and pleasant. They helped me in making my decision to purchase coverage for my vehicle. Thank you all very much. A satisfied customer.” When comparing rates among insurers, make sure each is offering the same coverage limits and deductibles.

That representative will ask you for the same information you would provide online, along with more detailed information that will help produce a more accurate quote. By entering your zip code, the tool is able to work only with the insurance products available in your state. This tool is very helpful in deciding exactly the type of policy you need and how much money you’re willing to spend. LM General does not maintain its own website or conduct business under its own brand name.

Find A Local Certified Service

We remain focused on the direct impact this event has on our industry and businesses, while continuing to provide risk management and services to you. When no vehicles on the policy have comprehensive or collision coverage. Insurance with rates based on driving habits, such as hard braking. No Non-owner insuranceLiability insurance for people who don’t own vehicles. This coverage reimburses you for loss due to theft or damage caused by something other than a collision with another car or object. Comprehensive covers events such as fire, falling objects, missiles, explosion, earthquake, windstorm, hail, flood, vandalism, riot, or contact with animals such as birds or deer.

When evaluating offers, please review the financial institution’s Terms and Conditions. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. The General auto insurance earned 3.5 stars out of 5 for overall performance. The scoring formula takes into account pricing and discounts, ease of filing a claim, website transparency, financial strength, complaint data from the National Association of Insurance Commissioners and more.

The notice of cancellation will be mailed to you and the loss payee. Your insurance company is required to give you 14 days notice of cancellation for nonpayment of premium and 20 days for all other reasons. There are multiple companies within the auto insurance space in the United States, even in low populations states. A smart consumer will compare prices in order to see the range of prices you can expect to pay. Nowadays, virtually every carrier has an online presence to provide drivers with price quotes.

If you receive a cancellation notice, you’ll want to deal with it immediately. If you think the insurer has misinformation, or the reason is a late payment, ask if you can resolve the issue before cancellation. The RLC Vehicle Insurance Program provides complete coverage for Rural Carriers insured through the plan – on and off the route. And if the government ever denies your on-route liability claim under the Tort Claims Act, the RLC Vehicle Insurance Program will work with you and the Postal Service to make sure you are protected.

Does Shaq own Papa John?

According to a form he filed with the Securities and Exchange Commission, O’Neal owns the equivalent of 89,723 Papa John’s shares, including 87,136 unvested restricted stock units, or RSUs, received through his endorsement agreement.

You never know, some insurance providers may offer more discounts than others. The General is a non-standard auto insurance company, serving customers who may find it difficult to obtain insurance from other carriers at a reasonable rate. Part of the American Family Insurance group of companies, its products are primarily sold online and through call centers, as well as through independent agents, partners and American Family Insurance agents.

Limited Time Member Offers

Insurance specializes in auto, general liability, property, employee benefits, workers compensation, and commercial insurance. Connected vehicle services vary by vehicle model and require active service plan, working electrical system, cell reception and GPS signal. See OnStar.com/BusinessSolutions for details and limitations. OnStar knowledge channeled into a smarter kind of auto insurance. While driving the truck, Serrano’s boyfriend was reportedly involved in an accident and Serrano falsely claimed she was driving the vehicle at the time instead of him.

What does Shaq have a PHD in?

Recently retired from the NBA, O’Neal finished his educational goal and received his doctorate in business along with 1,100 other students.

The Nevada insurance commissioner determines that continuation of the insurance policy would jeopardize the insurance company’s solvency or be hazardous to the interests of policyholders. You violated the terms and conditions of the insurance policy. The insurance company has not received an application for insurance in which a valid binder has been issued. The place of residence is changed to a state or county where the insurance company is not licensed. You, your household members or anyone who customarily drives your car has had their license suspended, revoked or denied during the policy period. The license of the principal driver of the car is suspended or revoked.

Through its insurance company subsidiaries and their predecessors, PGC has been writing automobile insurance since 1963. Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family. Our Commercial Auto insurance provides coverage for bodily injury and property damage caused by owned, hired and non-owned vehicles used for business.

Aspire policyholders can review policy details, update contact information, download forms, obtain proof of insurance cards and pay premiums. Insurance agents and agencies must be licensed by the Texas Department of Insurance. But some scammers pose as insurance agents in order to swindle money out of Texas consumers.

Online tools can help you put your own personal risk profile across to multiple vendors and, in essence, make them compete for your business. Louisiana, with average car insurance policy costs of around $2,100 has a very high percentage of motorists who drive without insurance (recent estimates are 13%). In addition a very high percentage of drivers in the state, 40%, carry only the minimum coverage mandated. In practical terms, many drivers in accidents resort to litigation to recoup costs of accidents. The litigation frequently results in awards that can greatly exceed what would have been covered under normal policies and insurers pass those costs along to consumers, driving rates higher. Florida, with average costs of just over $2,000 per year has a similarly high percentage of motorists who drive without insurance.

The state requires every driver in the state to carry relatively high levels of Personal Injury Protection insurance, known as PIP relative to other states. Commonly known as No-Fault insurance, PIP helps cover medical bills resulting from an accident for the policyholder, family members, and passengers. This expanded coverage protects drivers within the state, but higher coverages mean higher premiums. As of April 1, 2009, insurance companies are no longer required to voluntarily offer insurance to Massachusetts drivers. Keep in mind, however, that even if one insurance company does not want to insure you, another company still might offer you coverage, so make sure to explore your options.

GEICO has no control over their privacy practices and assumes no responsibility in connection with your use of their website. Any information that you provide directly to them is subject to the privacy policy posted on their website. With Family Sharing set up, up to six family members can use this app. Get started today by downloading our app and selecting ‘Get a Quote’. Investopedia requires writers to use primary sources to support their work. After you file a claim, the General will assign you a claims adjuster, who will act as your contact.

If you get pulled over and cannot show proof of insurance, you could be hit with fines, penalties and even jail time. If your car has mechanical problems to the point it endangers public safety, your policy could be canceled. Also, if your state requires inspection and you do not get your car inspected or it fails inspection, that may be grounds for cancellation. If you or a regular driver commits a felony, like driving under the influence, your policy can be canceled.

How To Get Car Insurance With No License – Forbes

How To Get Car Insurance With No License.

Posted: Mon, 20 Sep 2021 07:00:00 GMT [source]

That’s because every state has some form of “financial responsibility” law, which basically means that you must show you can pay for others’ medical bills and property damage if you cause a car accident. Most folks satisfy this requirement by purchasing auto liability insurance. These assigned-risk policies will be expensive, but it’s a way to get auto insurance. On average, only 1.3% of vehicles insured in the U.S. are in an assigned-risk plan, according to the Insurance Information Institute. If you file a claim, or someone else makes a claim against your insurance policy, you are expected to provide complete and accurate information.

Medical Payments Coverage – Medical payments coverage is an optional supplement to your insurance policy. It covers medical or funeral expenses due to injuries sustained in an accident. Charged my card without my knowledge and refused to resolve it via email, phone or chat on their site.

the general auto insurance

Although The General’s insurance is cheaper and inclusive, it lacks options such as replacement cost, rideshare or alternative fuel vehicle coverage. Although AAA car insurance is mostly known for its auto club memberships, the company also offers car and homeowners insurance. AAA has fairly affordable rates that compete with many other car insurance companies. Based in Nashville, Tennessee, The General® agents and representatives are exclusively customer focused.

the general auto insurance

Sierra’s 9,200-lb rating requires a properly equipped AT4 Crew Cab Short Bed 4WD model with 5.3L V8 engine. 7,550-lb rating requires a properly equipped Canyon AT4 Crew Cab short bed model with cloth seating, available Duramax 2.8L I4 Diesel engine and Trailering Package. 7,700-lb rating requires a properly equipped 2WD Canyon Elevation Crew Cab short bed model with available Duramax 2.8L I4 Diesel engine and Trailering Package.

The AM Best rating for The General Auto Insurance Company is “A-“ or Excellent. While this is not the best possible rating, it is still very strong. The General accepts most drivers, even those considered high risk due to driving violations or accidents, poor credit, or who haven’t maintained insurance coverage. We obtained sample auto insurance quotes from The General for the standard coverage annual premiums for Minnesota state minimum requirements. (The General does not allow self-selecting as transgender or non-binary.) Your premium may vary. You may have seen The General’s commercials on television starring well-known sports personality, Shaquille O’Neal.

the general auto insurance

Savana Passenger’s 10,000-lb rating requires 2500 Wheel Base with 6.0L V8 engine. Sierra’s 12,500-lb rating requires Sierra Double Cab or Crew Cab Short box 2wd with 6.2L EcoTec3 V8 engine and NHT Max Trailering Package. Canyon’s 7000-lb rating requires available trailering package and 3.6L V-6 engine. Savana Cargo’s 10,000-lb rating requires 2500 or 3500 Regular Wheelbase, trailering equipment package and 6.6L V8 engine. Savana Passenger’s 9,600-lb rating requires 2500 or 3500 Regular Wheelbase model, trailering equipment package and 6.6L V8 engine.

Use our online renters tool to design your own renters policy that matches your exact needs. Get a renters policy that fits your lifestyle and protects what matters most to you. If you are a WordPress user with administrative privileges on this site, please enter your email address in the box below and click “Send”. You will then receive an email that helps you regain access.

Note that 10 percent of your unearned premium might be deducted if you cancel your policy early — however, this varies from state to state. The General offers low down payments and convenient monthly payments to every policyholder. But others on the App store said The General came through in a clutch and provided them cheap insurance when call the general auto insurance other companies weren’t willing to insure them. Canceling your policy with The General could lead to a cancelation fee of up to 10 percent of your remaining premium. If you paid in full, The General would refund your remaining policy except for the fee. You should consider canceling your policy at the end of your term to avoid this.

You and family members listed on the policy are also covered when driving someone else’s car with their permission. While different states have different mandates for auto insurance, most basic car policies consist of six types of coverage. The University’s Property program provides coverage for direct physical loss sustained to university property due to an event that falls with the terms and conditions of the insurance policy.

The General has an online portal and mobile app to make policy management easier for its customers. The online portal, MyPolicy, allows customers to make payments and track their policy details. Creating an account on the company’s MyPolicy portal grants you access to various on-demand support features such as email, chat and FAQs. You can reach out to an agent to manage your policy through the online portal, over the phone or through The General’s mobile app. The National Association of Insurance Commissioners is a customer service standard-setting regulatory body, enacting best-practice insurance standards across the nation.

the general auto insurance

Many companies simply won’t insure your route vehicle, and if they do, they charge you a higher business use or commercial use rate. Also, many agents don’t seem to fully understand the Federal Tort Claims Act and the needs of government employees. That’s why the National Rural Letter Carriers’ Association recommends the RLC Vehicle Insurance Program – the same people who have looked after the special needs and interests of Rural Carriers since 1953. First of all, RLC Vehicle Insurance Plan representatives understand the government’s tort liability procedures.

At every level of our organization, we work hard for our customers to ensure they get the coverage they deserve. Although our day-to-day responsibilities look different depending on our roles, we all aim to provide a great experience for every customer, regardless of history. Here are a few ways you can join our team and put your passion for people to work. Underinsured motorist coverage reimburses you, a member of your family, or a designated driver if one of you is hit by an uninsured driver or a driver who doesn’t have sufficient insurance to pay for your total loss. This coverage also offers protection in the event a covered driver is the victim of a hit-and-run or if, as a pedestrian, you are struck by an uninsured or underinsured motorist. Bodily injury liability coverage applies to injuries that you, the designated driver or policyholder, cause to someone else.

Because our content is not financial advice, we suggest talking with a professional before you make any decision. Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience. Align is a full-service general insurance agency that offers turnkey product development and underwriting management solutions to the insurance marketplace. With an average of more than 20 years of experience, CNA Risk Control professionals drive a program of systematic, sustainable risk control solutions designed to increase productivity and help protect your bottom line. We provide deep expertise, attentive service and tailored business insurance solutions to help manage exposures and minimize loss across a wide array of industries. From rags to riches thanks to The general auto insurance and the ability to have very good insurance.

NRG Esports Rocket League Team To Be Renamed “The General NRG” In A Landmark Partnership Forged By Shaquille O’Neal – PRNewswire

NRG Esports Rocket League Team To Be Renamed “The General NRG” In A Landmark Partnership Forged By Shaquille O’Neal.

Posted: Wed, 28 Apr 2021 07:00:00 GMT [source]

Good Student Discount – Students who have a B average or better (meaning a 3.0 GPA or higher), are on the dean’s list or honor roll, or are in the top 20% of their class can qualify for the Good Student Discount. The company focuses mainly on consumers who want to comply with state-level minimum insurance requirements. Full BioMaddy Simpson is an experienced data journalist and fact-checker with a background in financial analytics.

Cheap rates should not mean you have to settle for limited policy coverage options, high deductibles, poor customer service, and a lack of important safety features like emergency roadside service. Things are different with GEICO, where cheap car insurance doesn’t change the exceptional service, features, and coverage options that our auto insurance policyholders receive. Tata AIG General Insurance Company Limited is a joint venture company between Tata Group and American International Group . Tata AIG General Insurance Company Limited celebrates 20 years of service as on 2020, since it commenced operations in India on January 22, 2001.

Just connect with one of our financial professionals to discuss your needs. Together, you can clarify your financial position, goals, and aspirations and co-create a plan to ensure you’re prepared for whatever life may bring. Our financial professionals can give you a good sense of how much various solutions cost, so you can make the best decisions for you. Protecting your business means staying one step ahead, and helping you prevent problems before they happen. We start with understanding how your business operates and where you’re headed. That’s just one reason Chubb earns such high customer satisfaction ratings.

Can Insurance Companies Deny Coverage? – Bankrate.com

Can Insurance Companies Deny Coverage?.

Posted: Fri, 03 Sep 2021 07:00:00 GMT [source]

All decisions regarding any insurance products, including approval for coverage, premium, commissions and fees, will be made solely by the insurer underwriting the insurance under the insurer’s then-current criteria. All insurance products are governed by the terms, conditions, limitations and exclusions set forth in the applicable insurance policy. Please see a copy of your policy for the full terms, conditions and exclusions. Any information on the Site does not in any way alter, supplement, or amend the terms, conditions, limitations or exclusions of the applicable insurance policy and is intended only as a brief summary of such insurance product. Policy obligations are the sole responsibility of the issuing insurance carrier.

The General writes a lot of basic car policies, including liability-only. This is due to the fact that their target markets are high-risk drivers who are generally in need of basic coverage they can afford. The General does offer low down payments – slightly more than one monthly payment, likely due to a small new policy fee. That is less than some companies require to get a policy started. Policies are sold directly over the phone and online, as well as through independent insurance agents across the country. There are several service centers in other states, but not in all covered areas.

If you prefer, you also have the option to get a free quote in-store or over the phone. Friendly agents are available from Florida to Texas, and almost everywhere in between, to make the process easier for you. Lincoln products are not a deposit nor FDIC-insured, may go down in value, and are not insured by any federal government agency or guaranteed by any bank or savings association. Lincoln annuity illustrations and client statements receive top marks from DALBAR, including the 2020 Communications Seal of Excellence.

Customer support is also available by phone, email, and online chat. Policyholders can access their plans, manage their automobile insurance policy, printout their insurance ID cards, and make payments online as well. With flexible and convenient payment plans and low prices for high-risk drivers, The General is committed to giving policyholders a top car insurance experience. Your car insurance company is required to provide at least 10 days notice of cancellation for nonpayment of premium and 20 days for all other reasons. Notice of cancellation will be mailed or delivered to you and your insurance agent, or sent electronically. Your car insurance company is required to give you 15 days notice of cancellation for nonpayment of premium and 20 days for all other reasons.

How much did Lisa Marie Presley inherit?

Lisa Marie Presley estimated net worth is -$16 million, which is almost a state of bankruptcy. According to Celebrity Networth, she has $14000 (cash) left of her inheritance. Surprisingly, her mother’s net worth is $50 million.

The General is intended for drivers who may face steep rates from other insurers, but that doesn’t mean it will be able to provide those drivers with the protection they need. Few coverage options and a history of complicated claims resolution keeps us from recommending The General. Even if it offers lower rates than the competition, you might eventually get hit with unexpected fees that drive up the price of your coverage. If you can avoid it, you should — there are better insurance options out there.

Date: November 2, 2021