[flybouy]

The first issue is the "free" statement. It's not free if there are restrictions or terms required. Many years ago I had this discussion with a "barker" in a mall. He walked up to me and said "I'd like to give this free knife set". I took it, said thanks and walked away. He started screaming like a child saying I stole it and mall security showed up. Security agreed with me. The insurance company may send you a "gift" for your trouble hut it won't be free.