Quote Originally Posted by Irving View Post
None of this matters if you are talking about your own insurance company. You are covered for what you are covered for, there is no negotiation anyway. If it's not your fault and you are working with another company, whether you had an endorsement or not wouldn't (shouldn't) matter because you would not have contributed to the accident. If the other company is trying to put comparative negligence on you, the no endorsement isn't that great of a bargaining tool as your actions either contributed or they didn't and the endorsement wouldn't change that. Or you could be dealing with Fred Loya and you are screwed either way.
could be ... you are probably correct...

Hense the " I think's and I assumes"

but any which way.. it could be avoided with a quick test at the DMV .. mine took less then 15 mins.