Scam?
No.
I've bought a whole lotta insurance to cover
properties, condo board members, liability,
& I forget what others. The business is
competitive, & they pay for losses.
Some are good. Some are bad.
Allstate is awful.
Hastings Mutual is wonderful.
I suspect incompetence with the vendor in
question, ie, Citizens.
Basically any of the big national brands are holding my engine issues against me. Geico is the one who cancelled my towing. It's one of those "will insure anyone" types who isn't holding the engine problems against me, but they're holding the no fault wreck against me.