I had Am Fam when I got in my accident and while the other driver was a fault, when I asked my representative for assistance and he basically said no (after 10 years of being with him andd never asking for a singe thing).

When the accident was over and I bought my '06 HCH I called and asked what my insurance rates would do (previous rate was $120/mo), they told me that because I had a ticket that was old enough to be removed, my rates would go down to $110/mo. I was thrilled...until I got my bill, it went up to $139/mo. That sure got me looking for other alternatives (especially since my guy was unwilling to assist me when I needed it), I ended up going to Travelers also. I now have better coverage and my rate is at $88/mo. YEAH