The effectiveness seems to be entirely related to the management style of your local franchise. If it's run by a gracious manager who puts his customers above all, you're likely to have smooth sailing with any problems you might encounter, barring a bad employee or two. If it's run by someone one step above a crook, they're going to weasel out of it and be largely ineffective if they do take it. Like any insurance company, I suppose; do your homework, talk to customers, and lay out a bit so you can experience their style yourself.

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