This insurance company denied the payment of benefits. when driving my car, insuranced under this company, while visiting from dominican republic my in 2007 my wife had an accident hitting two other vehicles, the accident was her fault. the reason for the denial according to them(ocean harbor) was because in one of the documents i signed when first got the policy, a question asked if my wife had a drivers license from the us and i said no because she had a license from dominican republic and as a tourist she could use that one while... read full review »