When I started driving, my grandfather (who was an independent insurance agent) told me about the worst company he had to deal with with claims. I looked up the worst paying insurance companies on the web, and behold, it's still on the top ten. That's half a century of being the worst paying insurance company. What really amazed me was that in the top ten, the companies that advertise the most are the worst. It makes sense, they don't pay their customers so they can pay to deceive with advertising.