David,
Have never had that happen to me, therefore I don't think if the company is a reputable one, they would do such a thing. Have you searched consumer web-blog sites. Things like consumer reports and the BBA will give you a lot of insight, from consumers just like you, into their experiences. Just Google search the company, if there are a lot of complaints, that website will pop up. By the way I use State Farm, sure they are a little more expensive (as a new customer) but the longer I have been with them without accidents/moving violations, my premiums are less expensive than most of the second-rate companies many people use. And there is great peace-of-mind in being with such a well-respected, firmly-founded company like them. Hope this was helpful.
