Originally Posted by
wanderingjock
<snip>Seems a bit harsh on OP to say, “your fault, got to insurance if you have any”?
I don't perceive anyone as being "harsh on OP" (not to mention this didn't actually happen to the OP since they are posting on behalf of someone else) but rather some pretty experienced contributors explaining how the system works. Nobody said it's a fair system, but it is what it is...
Regards