I had American Family Insurance for several years, and luckily did not need to file a claim. But the agent, Carl Forman, provided very poor service. He didn't provie proof of insurance to my lender. I could never reach anyone even when I called during business hours. I would leave messages that I wanted to increase coverage and they still didn't respond. So I switched elsewhere just prior to my renewal date. I cancelled my policy in writing and thought that was that. No, then the trouble started. I kept getting bills. I sent 3 notices in writing to cancel and the bills continued. Then the collection agency harassment. I have excellent credit and their practices are threatening that good credit. Written notices sent certified mail, and they are still harassing me.