Regarding the complaint section there is another place you can call and file a complaint, if they feel it's valid they will put you in contact with the obnesman who deals the insurance company, and he will put forth your complaint with clout.
I did this with Primmum TD Insurance and heard back...
I like what you have said here, however it doesn't help those who have been in an accident were they have suffered some kind of head trauma.
Sasha who use to work for Parker Brothers offered a course for such people to help them decide if getting back in the saddle was or wasn't for them...
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