what a bad mistake insuring with these! i had a ca...

what a bad mistake insuring with these! i had a car accident other day, i was fully comp.my excess seems to be more than originally said (hmmm) i would be worse off making a claim! my car is a writeoff but they say i still need to make my monthly premiums??? even though i dont have the car now as its too damaged!lol joke!! rude customer service! shambles of a company!!! do not use them please!!!