CHOOSING CROSS AMERICA FOR THREE MONTHS WHILE I WAS BETWEEN JOBS WAS THE WORST DECISION I HAVE EVER MADE. I WOULD NEVER NEVER NEVER REFER THIS INSURANCE COMPANY TO ANYONE!!! YOU NEVER CAN GET A HOLD OF THEM OVER THE PHONE. THERE CUSTOMER SERVICE IS A DISGRACE AND THEY CHARGED ME TO EXTRA MONTHS EVEN THOUGH I SENT THEM A CANCELATION FORM. THE CHERRY OF THE SUNDAE WAS THAT IT TOOK THEM A YEAR AND A HALF TO PROCESS A CLAIM AND THEN THEY DENIED TO COVER IT. THIS BUSINESS DISGUSTS ME AND IT SHOULD BE CLOSED DOWN. WHAT EVER YOU DO DO DONT CHOOSE THIS INSURANCE