The only thing I can suggest is to get in contact with your state insurance commission and raise hell.. (and do it in writing not on the phone). If they don't respond the first time... keep up with the letters and send them to Congressmen, Senators as well as state reps..

Did I mention that I HATE insurance companies with a passion!!!!!

Oh and READ your insurance policy real well.. there are always little loopholes in your favor if you can find them. But sometimes ya gotta look real hard and decipher what the BS means (or interput it to "suit" your needs - trust me.. you CAN do this if you really put your mind to it).

And don't take anyone's word for anything.. Get your "facts" together and argue your case the way you understand it. A lot of times they'll just get tired of you and give in (this from personal experience). But there will be something in that policy (in fine print) that will be in your favor ... take that and run with it and don't give an inch on it...

Good luck..