TRAVERSE CITY, MICHIGAN -- Nightmare from hell and it is still not over. Had an accident in December; was so long on hold I had to call the tow company and police for help. Called to report the claim the next day. On hold forever (more than 1 hour). Could not file a claim at the office 1 block from my house! Cancelled the insurance in February. Still receiving billing. It is July and they still are billing.