Why don't you quit being a dumbass . He never qualified his statement as to what type of insurance or exclusion. He just made a blanket statement. I guess everyone on here who is rendering insurance advice and legals advice works in the industry I bet . Technically speaking paying a claim includes hiring a lawyer in civil suits but not criminal charge if it arrises as per Regal post. Should we all come to TT.net for insurance and legal advice? Who made you the TT.net guardian? You can make your assumptions as to why I changed my screen name. Why do you care? Are you gay that you have to monitor me? You can go kiss my A$$$ . You don't have Fu##ken clue.