New Entry on State's Top-20 List of Auto Insurers

    Response Insurance Beats Allstate, GEICO, Progressive & State Farm in
            Complaint Ratio According to NYS Insurance Department

    WHITE PLAINS, N.Y., Feb. 7 Response Insurance, a
direct-to-the-consumer auto insurance company focusing on insuring safe,
responsible drivers, scored better than many of the household name insurers as
measured by their complaint ratio, according to the New York State Insurance
Department.
    A relative new comer to the field of nearly 52 auto insurers in the state,
Response ranked number nineteen, well ahead of Allstate, which is the largest
insurer in the state, but ranked near the bottom at number 48 of the
52 companies officially rated by the Insurance Department.  Response also beat
out other household names, such as State Farm (number 23), GEICO (number 27)
and Progressive (number 24).
    "I couldn't be more proud," stated Mory Katz, Chairman of Response
Insurance.  "I believe we have the best team of employees in the business.  We
beat the competition hands down.  I don't know of any other insurance company
that is as customer-friendly, efficient or reliable."
    Response Insurance, which has been selling via the phone since 1997, is
also now offering consumers real-time on-line quotes and the power to fully
complete transactions on a live basis.  Only a fraction of the thousands of
auto insurance companies in the nation are capable of selling auto insurance
through both the phone and the Internet.  Through http://www.Response.com, in
as few as ten-minutes an auto insurance shopper can sit down at a home
computer, purchase a policy and immediately print out a legal insurance I.D.
card that allows them to drive away fully insured.  Unlike the current
prevalence of insurance pseudo-websites that either cannot complete the sale
or require behind-the-scenes manual processing of information,
http://www.Response.com actually performs the full range of activities to give
a quote, confirm the rate, verify driver data, accept payment and issue
essential policy documents to the customer in real-time.
    In addition to on-line services, consumers can also call 1-800-RESPONSE to
talk to a trained insurance advisor at one of the Company's call centers who
can provide a rate quote, sell and service policyholders and answer any
related questions.
    The New York State Insurance Department Annual Ranking of Automobile
Insurance Complaints for 1999 can be found at the Department's website:
http://www.ins.state.ny.us.

    Contact:  Ray Palermo
              Tel: 914-640-6588
              Off-hours at Pager:  1800-759-8888 (PIN: 1196453)
              rpalermo@response.com