Auto insurance companies are nothing more than a period scheme.... They charge you high rates for a useless printed piece of paper that they call a policy but it's no more than a coloring book and 96.8% of the time they do not cover the claim because of a wrongful driver not paying attention while texting on their phones or playing with their radios (the insurance companies are nothing but a scam artist) and when you have a loved one getting critically hurt they will not pay the hospital Bills or the damage to your vehicle.
Auto insurance companies are the biggest pyramid scheme in America today. The Government needs to get involved these companies that are stealing from insurance policyholders that are making multi-billion dollars in profits, (this is why every commercial is a auto insurance commercial) this is how bad their raping their policyholders for an insurance policy and are downright stealing from insurance policy holders and they will not honor your policy when you get hurt or have damage to your vehicle as Geico did with my vehicle when it was hit by a driver who did not look in her rearview mirror while backing out.
Get yourself a Bond as your insurance policy as I did because the insurance companies will not help repair your vehicle or pay the hospital Bill when you have an accident because the DMV gives licenses out to everybody it doesn't matter if they know how to drive or not and the insurance company should be called the United States scam artist companies (because that's all they are).