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AMA has given us a competitive quote on a car/home package. However, when I was involved in a fender bender where the other party was claiming far too much, they readily paid out what was claimed rather than investigating. When I insisted on looking at the damage the other party was paying, I found they were accepting fuzzy photos sent by the other insurance company which showed nothing. I left them feeling they had no interest in protecting my interest but just simplifying things for themselves at my expense.