Scot the manager is a crook. He keeps lying to me. They didn't cancel my policies after I was dissapointed at their poor claim pay outs. Then when I called to and spoke with Melissa at 5:15pm to see what happened with my cancellation and refund on August 31st she placed me on hold to come back and say my policies were not cancelled. I said great becuase I have a claim and now they refuse to pay it. They have terrible online revies and I urge you to stay away from this company and choose another.