Pros: ABSOLUTELY NONE!!!!!
Cons: ABSOLUTELY EVERYTHING!!!!!
In May, 2007, I was rear-ended by a person insured by Snake Farm. My husband and I have been insured by Snake Farm for 20+ years (home, auto AND earthquake). Although Snake Farm quickly and without complaint paid for the damages to my vehicle as well as all medical bills resulting from the crash (I spent 13 months in agony due to the collision), I was offered a paltry $8000 for pain and suffering.
It became necessary to sue to get an amount anywhere near appropriate in compensation. So, do you think Snake Farm would come to their senses and offer me something decent for 13 months of pain & suffering then? NOOOOO!!!!! Much, much better to pay a rude, crude, hateful, witch of an attorney somewhere in the neighborhood of $45,000 plus another $10,000 or so in expenses to fight it in court -- where they will most certainly LOSE since they've already admitted fault by paying my damages and medicals.
We're in the process of changing insurance companies now. I don't know if any of them are any better, but I'll be damned if I'm going to send our entire home insurance premium to this piece of crap lawyer who is intent on putting me through hell and back just so that she can bill Snake Farm more than most families in this country make in a year.
I'll say it again: Snake Farm will take and take and take your money from now until the end of time, but if you ever need that "good neighbor", you'll find he's fled the country with every penny you've given him -- just like Bernie Madoff. They're thieves, they know it, and since their pockets are deeper than ours (because we were stupid enough to give them so much of our HARD EARNED MONEY), they don't give a damn what they put you through. They'd obviously rather pay a shyster attorney twice what they should be paying you than own up to their contractual responsibilities. They're rip-off artists, and they delight in it.
Google "State Farm" and "Hurricane Katrina" and see how they treated the thousands of people who entrusted their lives and possessions to Snake Farm, then tried to file claims after everything they had was destroyed.
Snake Farm needs to be brought to their knees, and CEO Edward Rust needs to rot in hell right next to Bernie!