@dice
Sorry I assumed wrong. The crash happens anytime a file is written to not just file creation. I can read from a file without a problem.

@EvilSOB
I tested your suggestion and it worked. That's exactly what I was looking for. I am going to implement it so that when the game first starts up it checks if it can write to a file. If it can not then I will display a message that tells the user they must restart the game with administrator rights.

Thanks a lot everyone I appreciate it.