come on guys, if you guys just let this thread die then it means no body gives a syttt about others in the community... i am sure lots of Nepalis work for insurance companies, lots of us have lived forever here . let him know what he can do legally, ethically and morally to take care of the liar...he is not asking for money or donation, just free advices.. if i knew i would help him out too... i am going to call my insurance company tomorrow to ask them the question..