[Esel Mann]

Drcoastline,

Damn, I missed that in the paperwork that they give you. Talk about putting our nuts in a vice.

Zeke,

Based upon this I have to say that my suggestion to entertain or consider working it outside the system, is as you say not sound. With the above, the risk of working it outside the system clearly would outweigh any potential downside of increased premiums by reporting it even though one is not at fault.