I was very pleased with the way 21st Century Insurance helped me after I was in my accident. I had a brand new 2007 Lexus LS 460 (beautiful car) and was in a very bad accident which totaled my car. I'm glad I chose 21st Century because it just so happened they covered the entire cost of the car since it was my first year having it. Also there was no hidden fees or additional costs. Apparently 21st Century is the only auto insurance agency that offers this type of service....Lucky me. They were very sympathetic toward the situation and got me a rental in the meantime so I could get to and from work. They were great!