ya know letter from a lawyer or even the State Insurance Commission, seems to get their attention..

I did the latter route back in the 80s in Minnesota.. you mention the State Insurance Commission and they got real cooperative real quick...just needed some time to mull this over a little and get a clearer head..

in the long run its more about principal than the money, I could go out and replace the car today, if I could find an equivalent..

I don't do car payments, and haven't done so, since before 1990... yet i don't do new cars either. those are the ones that tend to get broken into and/or stolen.. especially here on the west coast..either chopped or end up in MuchoMexcano...

Rural Doc... funny comment on " things get nuts in PNW".. love Australian sense of humor...

"Minus the killings, Washington has one of the lowest crime rates in the Country" Marion Barry, Mayor of Wash DC

“Owning guns is not a right. If it were a right, it would be in the Constitution.” ~Alexandria Ocasio Cortez