Geez bonker, the facts here indicate that AS&M may have been negligent, which as you would know makes them liable. Did you know the part about EL's boat being found on the side of the freeway and AS&M didn't even know that it was missing from their lot? Not sure I would ever trust anything to them until they can make it right by EL on this one. The fact that their adjuster is dragging feet is also just a bunch of BS. They screwed up, now pay up already.