Oxford

[WinoBlues]

I always talk to Chad Kines over there. Originally, I was direct with Oxford. He's the rep for the Midwest I think. If I email him any question, he's on top of it.

I do agree with phi is rough. That's why I stopped writing them.

I could deal with the phi because of the short app and low rates if claims and service was easier. I do like the app and rates.