My recent high school grad has this insurance and after reading all of the various complaints, feel that if this company is doing it's customers wrong it is because they are allowed too! What happened to reporting to: The Federal Trade Commission (FTC), Better Business Bureau BBB, (Me myself would report them to FBI Fraud Unit as a scammer).
And, also if necessary start a class action and/or stand alone w/an attorney. And for those of you who have done these things "Bravo" to you. If you feel that this company or any conduct unethical business practices go make some noise.
FYI, some businesses fail to respond to the BBB, but stand up and still report "CREATES A PAPER TRAIL ". Happy New Years and good luck to all of you!