Incompetent Customer Service and Billing

Twice they have sent me a notice of cancellation for not making a payment when the payment was not even due. They change due dates and amounts frequently. Customer service can't seem to answer any question about why when you call them. Recently they had a...

accident

my dtr had an accident & they kept the vehicle on the policy after the accident even thought it was totaled & never let me know when they closed the case. When I asked for my refund (because I had prepaid for the year for my insurance) they said that now I...