Oh, I know, guys. We could all exchange evil insurance stories til the Ducks come home. I got my start battling health insurance maybe 18 years ago and never took a bad offer again without a fight (and oh boy there's been a lot). They're SOP actually is exactly the same as banks when they want to illegally repossess your house it turns out. Total good cop bad cop where the bad cop is some ethereal entity that nobody has any contact with and makes all the decisions which are written in stone and the "I just work here it's not me trying to destroy everything good in your life" peons with whom you are permitted to communicate. I mean, it's how I would run that kind of operation, too, Or government or... I'm glad to have read some seem to happy endings to your stories (Bob, Vicki, nice one), but I just want to stress that you do NOT have to do this alone. Get the government on they asses ASAP. They know exactly what's up and are the only real reason I keep winning my wars. (God it's weird to be so complimentary to a government agency but there you go). And Pags, the Ain't so bad. Could probably ride it in the track nowish, actually. Main thing messed up is instruments, headlight, mirrors a dent in the tank and little "owies." Basically all the stuff you'd rip off your bike anyways. Personally I can't afford the luxury of track days for another year at least (more like 2+) and my brother's begging me to get a dirt bike ever since he treated himself to a $10,000 KTM. He also just got an old Kawi KLX300 for his 17 year old iPhone addict of a son (which I HOPE he uses but if not it's also a sweet Uncle trail bike) so dirt is in my future too it seems. Hit me off list of you're serious though. Otherwise I'm not sure. Might end up parting her out to help rationalize/support my RZ350 purchase (which, in an abstract way are kind of the same bike at least for my purposes). Ride Well, Gabriel Who has no running Ducatis but at least has motorcycles!