Auto Claim Problem

[laylamiles]

My question involves insurance law for the state of: Texas

I need everyones help on this. I had switched my previous insurance and purchased an online Insurance policy (which I heavily regret) on the 16th and was active on the 17th, there has been a hail storm in our area last month on the 16th and 17th of last month, luckily I wasnt in the area that the hail storm happened on the 16th, however I was hit with it on the 17th, the problem comes to play when I called in for a claim everything went smoothly the adjuster reviewed the photos of the car when the insurance was purchased and the policy terms and so he set up to have me meet with the appraiser the appraiser estimated the damages and faxed all info to the adjuster, once this happened i was able to receive check to go fix my vehicle now here is where the problem starts... I take my car to get fixed at the bodyshop and the bodyshop states that they need to have a supplement because what the insurance company offered me was not enough money, so basicly they fax the paperwork to the insurance and calls are made to the insurance and over a few days finally the insurance company states their excuses stating that I never had full coverage insurance (which I do have and was verfied from my agent who sold it to me) and that they are unable to approve the supplement, so it gets denied... now over the next few days i get word because the bodyshop calls the insurance company and then the insurance company basicly states that they are still not going cover the supplement because the bodyshop added extra stuff like replacement of the hood and new moldings which the insurance company stated that it was not needed... now over the periods of the next few days the drama even gets deeper, I contacted the insurance per the bodyshop request to see why they cannot give supplement to bodyshop, I was advised that the adjuster no longer works for the company and that my call had to be transferred to one of their managers, so once I get on the line I was told that basicly my policy has been cancelled out and that they feel that the claim put in was false because my car had previous hail damage according to what she said she reviewed the photos and said that the hail must have occured before my insurance was active which is completely wrong, I mean the city did not hail in every part of the city on the 16th I was luckily not to be around a certain area but when the 17th rolled around I happened to get hit by a few (not too major), but point here is they said that the insurance claim for hail damage was false and basicly they cancelled out my policy and reported it to the state of tx and proper officials and they stated the check they sent out to me they had overlooked it and it even though it was a mistake, she said she could not put a stop payment on the check and that i can use this too fix my car or cashout and repeatedly stated "you should consider yourself fortunate" to have that check... however Ive been pretty upset at the fact of what I have been put through this whole ordeal with the insurance company been lied to, and then majorly put into a position that is untrue.. As far as these false allegations for false claim and reporting it to the state of tx... what can i do, or should i not worry into it. I mean the check was sent out to me after the reviewal process, this company is giving me a hard time, yet they state I am able to still cashout or fix the car with that amount they sent by "mistake" because they cannot put a stop payment.. I am really frusterated Ive been working on this claim well almost a month now.

[Mr. Knowitall]

So, basically, you purchased insurance on the 16th of a month, effective on the 17th, and you suffered hail damage on the very first day your policy was in effect? Did you have a lapse in your coverage before buying this online policy? Your prior policy was canceled as of what date? It would have covered what portion of the damage had it remained in effect?

You've been paid how much under the now-canceled policy, and how much more do you believe you should receive?