I have never had a policy with this company. However, my friend a disable retire New York City fireman who is suffering from cancer let his policy lapse due to his illness. This company rewarded him by raising his premium from $ 640 for a half year to over $ 3,000. During the time of his lapse he was not even driving his car. When asked if something could be done, the response was no. I suggest you find a better company very disappointing. I give it no stars