Currently, I have GMAC/National for collision etc insurance and to date, knock on wood, I haven't had to file a claim. However, my experience with National was VERY unpleasant with my extended warranty insurance. It was obvious that they didn't want to reimburse me for the work done. At one point, I persisted and after 8 months and numerous emails, telephone calls, etc. they paid my claim. I would not use them again for extended warranty again and hopefull, should I have to file a claim with them now, the claim would be processed professionally and promptly.