And all you have to do then is make one more contact with one more higher up before following through---What I meant is exactly what I said, He has to know whats what and not even hesitate to file a suit. It will possibly be drawn out to 90 days but anyone who lets insurance co's do this become part of the problem. And a lot of the time the "Legal Dept" is an Emminent -PUT ON to scare the "mark" into being complacent, of the times I have gone up against a big insurance co in small claims court-I have won every time and the lawyer was form a legal firm ---That they had to pay SERIOUSLY-not the insurance company.