Lemme give you a grade school lesson, if the point you wanted to get across was "covering for the damages that you already paid for", then you say that. Either way, Monica and Ron were claiming that they were paying for everything out of pocket, as he says, "because that's what a real man does," and is even on the record saying they were paying for it. How do you think it's going to look for the appeal if their insurance was already covering a portion of the overbloated payments? You're trying to win a losing argument, because if the insurance is paying for it, then they commit perjury and would receive even less on the appeal, since they aren't personally paying for portions of their bill. If they aren't being covered by the insurance, then they're in the hole 170k in costs because they were constantly told they could get the entire GFM (I wonder who could've done that?).