I've paid insurance premium for over 20 years. I've always used the well known agencies because most of the time you get what you pay for. I was hit by another vehicle 12/24 and was a little sore. I thought it would get better and it didn't. Some night I can't even lay flat or stand because of the pain in my arm and neck. My personal health insurance won't pay any medical bills because the person who hit me is at fault. I never have used a lawyer but I had to this time. They warned me about this insurance. I stopped going to the doctor because I didn't want to lose everything trying to pay my medical bills. The lawyer told me that this insurance company want to settle for $500. My MRI bills alone are over $4000. It's just getting worse so I have an appointment with another doctor but I'm afraid my health insurance will deny it again and I'll be even deeper in debt. I've talked to friends and coworkers who tell me that they have never had issues with insurance but no one I spoke with had ever used standard insurance. Don't think all insurance company will be there for you. This insurance company has millions or more of paid premiums so they could not care less if I have this awful neck and arm pain for the rest of my life.