Their insured hit my car while making an illegal u-turn from the right hand lane. He cut right in front of me. He was given tickets for reckless driving and for making an illegal u-turn, AND HANOVER ONLY ISSUED HIM 85% of the blame! Their attitude was "take it or leave it". And I've never spoke with a ruder insurance rep in my life. She talked over me like I had hit the mute button.