^^^^^^^ ArtieS...This is one of the reasons that I consider any type of insurance a form of "legalized gambling"... You pay for coverage but the insurance companies will do anything to keep from paying out... If they were not making money they could not stay in business.... And if they did payout they would raise your rates to make up their loss................Just like a casino or like the entertainment areas such as Las Vegas/etc that if everybody who went there and came home with pockets full of money they would not be able to stay in business very long... drill sgt.

I've known my insurance agent for a very long time. If rates go up on account of this, we're going to "have a session."