This thread is very important and good. I think everyone should use this as an opportunity to double check on their coverage (I know I will after x-mas- I would hate to take out an ARC 22 or a brand new f-18 only to discover the ins company is going to play ignorant). I am somewhat jaded when it comes to situations like this because when they want to try to get out of paying- they WILL find a way! In the end it is a "big company screws stupid consumer" situation.