Affirmative auto insurance ......the single worst auto insurance company on the planet. If they call you and you don't answer, even if you missed the call by seconds, they will not call you back even if you call them right back. In their eyes, you are out of sight out of mind.

They never call back, period. But when they do, they only let the phone ring just a couple of times, then they hang up. In their little mind they have fulfilled their obligation of contacting you.