JUST to share a bit of humor about insurance, my father had a car, had it parked on the street in front of his house, not his normal practice, but there over night, and someone came along and broke the window and stole some stuff. Papa duly reported the damage to police and insurance company, and took the car over to the shop to have the window replaced. Well, don't park on the street. So he parked it up in the driveway, slammed the door, and another window fell into destruction. Oops. Reported it to the insurance company, took the car to the shop and had the 2nd window replaced. Drove it home, parked in the driveway. and lo and behold, a father across the street, doing some engine work on his car, infant son in the car, phone rings, that father goes inside, kid hits the automatic shift, and across the street comes the car over the curb, over everything, and smashes into Papa's car. Right. Reported the whole nasty situation to the police, and the insurance company. The cop taking the report asks, "And do you know who the culprit is?" Mama, who is holding the infant son of the man across the street says, "Um this is him." "Really?" says the cop. "Oh, yes," we say, See cop drop his report board and pop a button while laughing. Deary me. Letter from insurance company, we cancel your policy. Get the door and fender fixed, replaced a window, drove the car home and parked it up on the vacant lot (used for parking) and .... found another insurance company. True story. (sent to me by Susan Gillberg) --------------------------------------------------------------------------------