My husband had a accident in the vehicle, and we called the insurance company to report it. They so-called sent an adjuster out to look at the damages. And of course he could only estimate outside damages. But in the end Donegal Mutual Insurance Company did not want to pay for the damages to my car, they said the accident did not cause the damage to my engine. The claims adjuster Maria Lopez was very rude, would not let you talk,and she acted as if it was her own money that she would be disbursting to get my car fixed. Horrible company, do not get insurance with them. They will rip you Off!!