I didn't think that was the issue at all. It sounded like there were some folks that were confused and there were interpretations/coverages unknown- certainly the case if it required taking out the policy and reading at this point. I was simply pointing out the typical difference between a national program and having individual personal service- it's not always about price, or is it?! I certainly don't want to hear about anyone, especially here, needing to find out after the fact and not having coverage they thought they had (it's after the fact when a warning is issued and sometimes before, depending on the individual ins company).