IMHO this is just part of the game. IF they make it hard enough and confusing enough, a LOT of people give up and pay for it themselves. I personally have never dealt with keystone as we bought a 5 year old rig with no warranty. I base my opinion on my healthcare insurance and vehicles extended warranties. I for one keep hammering away and send what paperwork they want unfortunately my doctor just gives up and i don’t get the care I need. Just my 2 cent rant.