Thank you Lerner and Rowe for the help, this was my first Accident and was completely in the dark on what to do the other insurance company was quick at trying to get me to settled without caring for my well being. with one call to Lerner and Rowe I felt I was in great hands with my best interest at hand. Thank you Carmen and Matthew for helping me understand and being by my side through this, I always received same day call backs and all my questions and concerns answered I have told many family and friends to always call your company if they find themselves in an accident. Once again thank you for everything. -Kira S.