I've worked in auto insurance claims for 26 yrs. I quit answering these threads because apparently AOC knows more than I do when it comes to how things work. I really do wish we had time to go over every claim and short pay/screw people as most think. We would make a bazillion dollars. Oh, we get paid salary in claims, not commission on what we save by screwing you. Figured some folks may wonder how we get paid.