It's funny when someone looks for the legal loop holes or wants to use the proper legal speak when avoiding their responsibilities. I think if I were in charge of AS&M I would probably make sure Easy Limits was overly compensated in this situation. I would be on the insurance company to get it settled up quick and clean, would get him satisfied on the motor issue and anything else needed to make him understand how sorry I was for his inconvenience.....the last thing I would do is bury my head in the sand and pass the buck.