Dual apep is not as good as a wand with implicit 12 % cast speed and t 1 cast speed roll even t 2 is higher than 30 % from apep i think <| sep |> I think he should grammar and spell check his point before posting it . I don ' t actually care what his stance is on the subject if he can ' t articulate it . <| sep |> Right on ! Disclaimer This user cannot verify whether or not this comment has been edited by uspez <| sep |> I was until 3 weeks ago <| sep |> Not for an old man with dementia which is the intended user . <| sep |> You need to put all three insurers on notice ASAP , particularly the drunk driver ' s . It is likely they will sort some of this out on their own , and you might gain an ally in getting leverage against the liable company . EDIT No fault insurance means that your insurance company pays you for your losses regardless of fault . It appears your son ' s insurer is claiming he ' d be covered by your policy getting both of them involved may trigger a conversation between the two of them and a coverage analysis that will evaluate the policies and determine who is right . Getting the thirdparty insurer involved may also assist in that they ' re likely going to owe a subrogation claim to whichever insurer pays out damages .