[quote] When talking with the insurance company be sickening sweet to whoever you speak to, it really does help.[/quote]I often find when speaking with insurance agents they understand fully what is right and what is not right. And as humans they understand the right thing that should be done and if you appeal and connect on a personal level it is quite enlightening what they may offer at least as insight and often real suggestions of actions to move you forward and get out of the loop or banging the wall.