Our last two car scrapes were the other driver's fault. The first involved another insurance company and there was some delay while Pemco persuaded the other company of its liability. But Pemco succeeded! In the second case, a minor bumper scrape, the other driver was also with Pemco and solutions came about very quickly. Pemco even gave us a loaner while our car was in the shop. We've been with Pemco for 36 years and the service has always been good.