Yes, when there are so many different factors involved a dispute tends to get confusing. My question is, is the PA dispute still open or not? Because both of you claim different things here and no one actually provided any solid proof of it, only emails that contain some vague statements where I have to draw my own conclusions from and they both contradict. So if one of you, or even both of you, can contact PA and ask them to clarify that, please do so. Also I'm not really aware of their policy regarding insurance and how they handle those kind of situations.