The fact that he doesn't have a lawyer in the first place is the only reason the insurance company is trying to pull that kind of BS. Don't wait for a response. Get a lawyer now! They will f*ck him royally without representation. Guaranteed.
OMG! Did I say that? Did I just recommend to someone to get a lawyer? Eeewwwww... I feel all slimy now!!!!
Seriously. Get a lawyer. A necessary evil in this case.
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When it's good it's really good...And when it's bad I go to pieces - David Bowie