Here is my issue-please bear with me because for you to fully understand, I have to tell you the whole story. My 15 year old nephew was killed 5 years ago, in his home in Martinsburg, WV by a 9 year old holding a loaded 30 odd. His father who had basically nothing to do with his son for YEARS and lives in SD, felt compelled to sue my sister's home owners insurance. Don't ask me how he got away with that. Anyway, they awarded him $100, 000.00. $35, 000.00 was to go to my niece in payments starting at the age of 18. Some went to hi... read full review »