Quote Originally Posted by HDNitehawk View Post
Main piece of advice is to read your policy and understand it yourself.
Good advice, but I was just trying to set a benchmark based on other people's experiences. From the few responses I've received (and personal experience as well) it it quite clear to me that my insurer is the exception and not the rule. That's fine. That's there prerogative. I just wanted to make sure that my expectations weren't out of line.