My experience with founders has been similar.
I have my insurance through State Farm, but was struck nine months ago by someone insured by founders. I was fully stopped at a red light, and their client rear ended me at 50 mph. She was arrested for DUI at the scene.
Thankfully, after Founders made it clear that their game was to stall until I became desperate, and because their adjuster wanted to put good money (my settlement money) after bad repairing a clearly totaled vehicle, I went through my own insurance.
Still, nine months later, Founders has not paid State Farm and I'm still out my deductible. I'm told that Founders doesn't believe their client was at fault, despite the DUI, multiple witnesses, the police report and common sense all suggesting otherwise.