PLEASE READ! !Do NOT do any business with Hammer Insurance! You will regret it as soon as you get into an accident. When you start a policy, they do not tell you ALL details. I got into an accident and found out that they Insurance hammer provided me with was not going to cover me with a rental, so I was carless and I had to buy another car to get to work. Then Albert the manager called me and my mom fraud because we were sharing the same policy and she lived in a different adress. However, when i first went with Hammer Insurance they encouraged me to bring someone else. Never said it had to be someone living in the same adress as i did. Now i was accused i was doing fraud all this time!DO NOT GO THERE.