yep...that's your only 'sane' course of action...and I have had to so the same many times, so don't feel alone

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So Long and Thanks for All the Files
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Beware of the big 3 insurance companies in Texas! Read your policies carefully (maybe you'll need a lawyer) Allstate, Farmers & State Farm are overextended and their 'coverage' is worthless...a true waste of your money Read This