I don't envy any of you having to deal with insurance. Since they are basically unregulated, I have a hunch they are going to jerk around every expat who has a claim. Lowball offers and a "so sue us" attitude. I really hope I am wrong but I have a sick feeling after reading a whole lot of posts from BVIslanders regarding settlements, or lack of.

My foot fits right into my shoe and my shoe will fit right into your...