Filed 3 claims in the course of a year and a half all three denied bogus reasons total scam they look for any reason to deny your claim and when all else fails for them they say depreciation and will only offer you $200 at most and only after you submit a paid invoice. Customer service works off flow charts which is circuitous and gets you nowhere. Even talking to a manager has the same result and excuses. They say they are in NJ but I'm almost certain they are not