| From about 10,000 posts on here about this over several years, it appears that most people deal with independent contractors who are not controled by any national company, and there are many who have been cheated by alot of bad people though this company. Now there have been alot of people who have had good dealings with good people from the company.
The main trouble is trying to determine who is good and who is bad, if you pick the wrong person, there is no national company to sue, since each person is acting as thier own agency that you are contacting with,
I may have missed it somewhat, but that has been the general idea. | 
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