I have been trying for more than an hour to pay my bill to my insurance company - Commerce Insurance - with no results. Their website is down and their pay-by-phone system is so confusing and convoluted that after 5 attempts I gave up. I imagine that they will charge me a late fee because it is now past midnight and the payment was due before than. Well, they certainly deserve to receive the late fee since it was my fault that it was late. Yeah, I know I should have paid it sooner, but I didn't because I thought I could get through to them by the internet or by telephone, but it was impossible. read full review »