My question involves insurance law for the state of: NY
About 4 months ago I hit a rock in the road and it did some damage to my car. When I called in to submit the claim they said I had no comprehensive coverage and asked if I would like to add it on. I repsponded yes, ofcoarse and the representative said they would contact my local insurance office to have comp. added to my policy. A month or more passed and I was in an accident with a deer. I called to claim the accident and was told the coverage was never added. I gave as much information as I could and called the complaint line. The rep. I worked with would say she would get back to me within 2 days minimum. I wouldn't hear back for wks at a time and then I would have to call her. She did this several times. I feel she was just avoiding the situation and wasnt even looking into it. The last thing she said was that she wasn't finding the call that I made and she really wanted to help and she would continue to try. I finally put a complaint in with the Better Business Bureau. The company responded saying they had no proof of any request or call for that matter so they will not be covering the cost of repair. I find it funny they say they cannot find the call when that call was the first claim I submitted that was denied. So basically there saying they dont keep track of any calls where a cliam is denied. Oh and the other thing is that they rang my phone off the hook to make sure they added the coverage asap($ in there pocket) god forbid they have to pay out for there customers. Please help, my car is in rough shape and I can't afford to fix it.