[DanEC]

You really can't paint any entire industry with one broad brush. I spent 39 years in Corps of Engineers construction management, responsible for managing construction contracts worth billions ($) in present worth. I witnessed a lot of my contempararies paint all contractors as liers, cheats and crooks when actually only a very small minority fell in that category - as witnessed by the ones who ended up in jail, lost at trial or were debarred. The rest - the vast majority - were just trying to make a living, run a business and build something satisfactory on a small profit margin.

I had my first vehicle accident this year and the lady who hit me totaled my car and then gave false insurance info. My experience with my carrier, GEICO, was 100% satisfactory. They promptly looked at my car and declared it totaled and gave me a check the next day that was pretty much what I had paid for it 3 years earlier because it was obvious it had been in excellent condition, loaded with options and had higher than average market value. Then they managed to find the actual insurer of the lady and recover my deductible and some other very minor costs for lost property I claimed.

My 2 cents is if you don't like dealing with Heacock, leave them and go try another one.