The rates are cheap, so I guess you get what you pay for, but it takes forever to get claims through, and even if they go through, you almost never get anything back for one reason or another. On our last $750 claim for an accident, half was conveniently not covered & the other half was taken as deductible. We got $72 reimbursed. If I had just saved my money for the insurance premium each month, I would have had more money. I guess it is what it is, but at this point, it’s not even worth it. It’s set up expecting multiple $1000 claims a year & if you don’t have that, you get basically nothing reimbursed.