I won, they lost; end of this story. I posted my personal story as an inspiration to the tens of thousands of people who get screwed over by corrupt insurance companies and their cohorts. Real terror is when you have a car accident, your head is smashed, your body is smashed, you have a broken back and your insurance company gives you the back of their hand; no treatment, no compensation.  That's what people in Canada have come to expect when they have an accident.  We have all come to expect that from insurance companies, however when our duly elected politician stand by and turn a blind eye to this tyranny and our news agencies say nothing.  When doctors and law firms all get in on the act to enable the insurance companies to get away with treachery; that is truly terrifying.