My question involves insurance law for the state of: Missouri
We have insurance. My husband owns a one person backhoe service. He dug up a communication cable. The rules say that if a utility mark is more than 24 inches "off" it is a "miss-mark" and he is not responsible. My husband took pictures(w/a measuring tape), and of the paint that CLEARLY show the cable MORE than 24 inches OUTSIDE the mark. We turned the dispute and pictures over to our insurance agent who turned them over to the company. I expect the company to pay the claim ($10,000), as it will be less costly than litigation. However we will have to pay a $1,500.00 deductible and expect rate increases. HOW can we recoup the deductible, and what are our rights in regard to the company paying a claim we can PROVE we are not responsible for?