my son was involved an accident caused but a guy make rigth turn when he has a red ligth .the police report say the other driver caused this collision that happen in march 2011 and the insurance closed my claim because they investigatio say was my son fault and the adjuster say the police report is a piece shit because he is not there when the accident happen ; they closed my claim three days after the accident before the police report is ready I have all information about adjuster name phone # and extension too so please dont buy this insurance is cheaper but is only good for shit