[floatrock]

I wish I had your experiences in such clear-cut cases. I had to perform an independent investigation to get the insurance company to honor my side of the story in my last car claim, and relatives are dealing with a nightmare of a home insurance story that's looking like the insurance company is going drop them because of the complications involved.

In my experience, everyone is just trying to minimize their cash outflows. Incident claims are a zero-sum game, and if someone gets more or better information, that comes at the expense of someone else.