I couldn't help but giggle a little as I read Lixy's post ...mostly at the irony of the situation. I pity Mr and Mrs Lixy for their agony and challenge. But I must admit I work in the insurance industry. Yes we are mean and know we are a necessary evil, but it's amazing the number of people that are "sue-happy" or willing to do anything for a little bit of a handout from the evil insurance industry. I know the world would be a better place in more than one regard if we were honest and trustworthy ... unfortunately insurance is surrounded by untruths and dishonesty when it comes to claims. Until everyone plays on the same common ground of truth, it will remain as such.