This is from the state of Massachusetts.
I went on a trip to Chicago and my car was stolen. I informed the police and insurance immediately. The police have still not recovered my car. Insurance is saying they will not cover the theft or my $6,000 loan since I did not have full coverage.
I applied for full coverage when I bought the car. The insurance company requested I get some pictures taken. I never did. Apparently they sent a letter informing me that because I neglected to get the pictures taken, I was switched to basic coverage. For whatever reason, I never saw it.
Is fighting this a lost cause? Also, I thought it was illegal not to have full coverage in Mass, wouldn't they have had to cancel my insurance or something? Shouldn't the insurance company have informed the bank that coverage was dropped?
Any help is appreciated.