They do accurately determine the correct amounts to pay on claims. Their prices for insurance is probably competitive. Their payout of claims however keeps taking longer and longer. Additionally they seem to have started having problems with their banking software and tracking deposits to customer bank accounts vs. paper checks, issuing both as they thought the payment to my bank was not accepted and blaming me for inaccurate information when nothing had changed on my end. I did not adjust or change any info on their site as their deposit was already in my account, they unnecessarily mailed the paper check, then told me (of course) that the paper check was void and I would be responsible for any fees or charges if I cashed it. Way to blame their customers, especially if some hadn’t paid attention. Tacky.