Just got off work due to my trip this week/end ~ and expect same kind of day tomorrow. <sigh> I will get back to each of you -- and take some of you up on that phone call... if I don't do it before Saturday morning... I'll e-mail you mid-week when I get back. THANKS for the info advice and referrals.

The collectors insurance that seems to be the hands-down favorite... I can deal with the premiums... VERY reasonable...

But I wonder -- has anyone had to /or known anyone who has had to file a claim?