I could not get the firm to pay on a car that was stolen, they raised my insurance to assigned risk with nothing more than talking in the office. They were the family insurance company. They insured my Dad's cattle for 5 years and he SOLD them five years before. Big laugh. Not one policy at death of any kind was paid to me.
All the things he had on policy, cost me almost 1/2 in California and the people are in when I call.