After reading a few stories about American Heritage Insurance Services' dealing with other drivers, I just had to write. As luck would have it, I was involved in an accident on 1/27/09 in Denver CO. I was not at fault in this accident, yet my car was declared a total loss by both insurance companies. After looking at both settlement offers I went with my own insuror because they offered the higher amount, which still left a balance of $3100.61, of which American Heritage Insurance Services informed my Credit Union in March that they're only going to pay slightly over $900 for my "GAP" insurance, leaving me with a balance of slightly over $2000. (Note: Lender purchased "GAP" insurance for me at the time of purchase-June 2006.) This is, as far as I'm concerned, egregious intentional fraud and a breach of contract, as well as outright THIEVERY. And their stated reason(s) to rationalize this ? An Internal Credit Union feature/policy that is, in short, NONE OF THEIR BUSINESS. MY POINT: Insurance companies, like other service providers, can only do this nonsense to people if people allow it. They ARE subject to regulatory oversight and they ARE also frequent targets of consumer advocates and investigative reporters. If you believe you've been wronged by a company such American Heritage Insurance Services, take your complaint up with everyone it's possible to take it up with, and in parting I'd suggest that one start with the Division of Insurance in their state.