Hi, after adjusting claims for several insurance companies, I found one thing the same. No one seems to know much about what they are entitled to. So I decided to help the public towards even footing with insurance adjusters. I have been a crusader for policyholder's rights for a good many years since and received acclaim from state departments' of insurance and state Governors for my work, albeit obscure. Anyway, you may want to bookmark my "deserve" website just in case that rainy day happens to come your way. Socrates never sold insurance, but his words apply to this industry as well: "The only good is knowledge and the only evil is ignorance." Best wishes, Tony Braga deserve link: http://www.sure-net.com/deserve.html