 So what are your damages? The insurance company does what it does. The fact that you were told not to worry about it. Okay, so the guy misled you. What he should have said is worry about it. Now what? Okay, I understand that. All right, so he misled you. They were going to do what they were going to do anyway, Peter. Yep, yep. Okay, you cannot say because you told me not to worry about it, therefore you should pay my additional insurance costs.