Jan: first of all, THANKS for all the feedback , your help was useful to me. what I have experimented already is that everyday is different with each customer and each situation unique, one thing i could share is that even though there is a standard manual, each company works with their own standards: for example: I learned that in an Allstate policy you can add up to 10 cars . while in an state farm policy by the other hand, you add only 1 car per policy. this last information I listened from an state farm agent but I am not really sure of accuracy.