If they deny it it's worth paying out of pocket. Plus it will inspire me to get an attorney and add some cash to their pockets for my settlement. Not what I really want to do but I may have to. The medical side is OK the adjustor really prides themselves in doing as little as possible to ensure they save every penny. LOL, I'm not looking for a Cadillac plan. I just want to be able to do my job and return to my normal hobbies without crippling myself.