wE HAD INSURANCE WITH ANPAC, BOTH AUTO AND HOME, FOR MANY YEARS IN PA. WE MOVED TO NC AND COULD NO LONGER KEEP IT. WHEN WE ASKED IF WE WERE ELIGIBLE FOR OUR REFUND AFTER HAVING NOT MADE ANY CLAIMS, THEY SAID NO BECAUSE WE SOLD OUR HOME AND NO LONGER HAD IT INSURED WITH THEM...FOR LACK OF FORTY FIVE DAYS THEY WOULD NOT EVEN SEND US A PERCENTAGE OF THE SEVEN HUNDRED DOLLAR REFUND. DESPITE THE FACT THAT WE HAD OUR TWO VEHICLES AND MY DAUGHTERS CAR ON THE POLICY, NEVER MISSED A PAYMENT AND HAD ONLY ONE AUTO CLAIM, WHICH WAS MY DAUGHTERS DOING (ACCIDENT, HER FAULT) YOU WAIT THREE YEARS AT FIRST THEN GET MONEY BACK FOR EACH YEAR THAT YOU DO NOT MAKE A CLAIM, THEN AFTER A CLAIM YOU WAIT THREE YEARS AND YOUR ELIGIBLE AGAIN...WE WAITED AND FOR LACK OF FORTY FIVE STINKING DAYS WE ARE SOOOO MAD. AND MY AGENT SAID WE WERE ELIGIBLE EARLIER IN THE YEARAND JUST A COUPLA WEEKS AGO SAID SORRY, NOT...WE SENT AN EMAIL TO THE COMPANY AND HAVE YET TO RECIEVE A RESPONSE TO THEIR DENIAL. PPPFFFTTTT TO THEM. STEAMING HOT IN NC