I was in an accident. The accident was the fault of the other driver, he was coming from the opposite direction and cut across a double yellow line into a my lane to get into a gas station on my side...claim said 80%. I wasn't happy. So it was sent for adjudication for $200(dates moved twice) --didn't make much sense. I was ready to fight for this myself. I went to the accident location and drew the layout. I took at least 6 google map screen shots and explained everything in detail - the file/ documentation I sent to the company processing my claim was an inch thick! Accident was end of May, claim settled mid Nov...got my check the week after. I think my efforts may have helped...or else why wasn't this settled in the first round? They may have thought I would be OK paying 20%? Not sure...anyway my dealings with all reps were good. My rates haven't gone up-- best rates I got compared to Geico, All State etc. Btw, my car was new (just 1000 miles) when the accident happened so you can imagine my mental state! My car was repaired within 4 days. They covered my rental car -- i ended up paying $35 (don't remem why ..its been more than a yr) -- I'm staying with Traveler's until I find someone better in NJ (which I doubt will ever happen) - after seeing ads about best rates in NJ I called a few companies ---no one could give me anything close to what Traveler's gives me....