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As an aside, many times insurance companies ignore witneses and go with the physical evidence, as no matter what, people will generally lie to back up their friends. More so if they're relatives. Not a lot of personal integrity in this world.

Though I do mourn the decrease in personal integrity and personal responsibility, I feel obliged to note that this is also lost on the insurance side of the equation -- IMHO, there is prescious little accountability, responsibility, or integrity from insurance, and I'd suggest that they are less motivated to go with physical evidence and more motivated to go with the quickest solution that costs them the least money... which equates to placing as much blame on the insured as possible, and then jacking up their rates to 'insure' that money continues to be made in the long run.

Ethically, insurance companies are bankrupt, but financially, there are few better investments available. <img src="/forums/images/graemlins/rolleyes.gif" alt="" />

Randii