Horrible company. Insured driver's drunk sister r...

Horrible company. Insured driver's drunk sister ran over a huge tree in our yard, destroying the tree. Called to at least get enough to have the tree cut up and removed. First told the driver wasn't listed as an insured. Then when my husband brought up all these other complaints that yes we were expecting this as an excuse and the bad reviews. The adjuster said this wasn't a reflection of their company, but the insured hadn't paid their bill. My husband proceeded to ask - OK, is it because the driver wasn't the insured, but the car is insured, or is it because they didn't pay their bill. Their plate was still good, which in Arizona, the insurance company is required to report the loss of insurance to the state and the state cancels the plate within 30 days. The state has no record of the cancelled insurance. The adjuster proceeded to tell us she had sent them letters as their phones are disconnected. He asked them when was the last payment, and he got the run around. Of course they probably didn't make their payment for the upcoming month, as the car was destroyed. Just got a complete run around. I think this company prays on the poorer folks, take their money, and then leaves them holding the bag. You can file a suit against the driver and owner of the car, but they don't have any money. A judgement doesn't get you paid, but most likely ACCC has been paid to give them a piece of paper showing proof of coverage, though it isn't any good.