> "I am really getting sick and tired of people hitting me! This is the 4th time in seven years I've been hit by somebody else..."

Here in WA I was hit 11 times in the first 10 yrs, rear-ended 9 times, backed into twice. None my fault.

Read your insurance policy. Just take the time and wade through it.

I don't know if you're in Canada or Alaska. If Alaska, and you don't think the ins. co. is playing fair (they're in the premium-collection business, NOT the claim-paying business), before you contact an expensive attorney, call your state Insurance Commissioner. You will get a receptionist, so just give the bare bones in a couple of sentences. They will usually send you a form where you can put all the details. Remember that the Ins. Comm. works for YOU, and the insurance companies can operate in your state only by their grace. Ins. cos. are very careful when dealing with them, and you may well win if your argument falls into a grey area.

Don't know about Canada.

Sue