 they're not answering you you have to sue them now i would keep on uh i would keep on harassing them uh because at some point then you get to hire a lawyer and those lawyers aren't cheap not even a little bit now uh the policy probably says if there's a dispute uh you have to arbitrate and all manner of things now let me tell you what a defense is if i'm the insurance company i'm going to go didn't you or i'm just going to ask you this didn't you look at your statement every month