This insurance company will send you letters constantly stating that your claim is not covered - you must submit an explanation of benefits. Even after submitting explanation of benefits multiple times, the claim will not be covered. I don't know how this company has an A+ rating with the Better Business Bureau. There were many one star ratings of this company on yelp that seemed to have disappeared. How there are not multiple complaints with the New Jersey Insurance board baffles me. All of the prior reviews had the same experience. I have dealt with another insurance company through a school injury, and did not have any problems. read more