Put everything in writing.
Calling your insurance company is likely to be a frustrating experience and you will not be able to prove anything that a company representative tells your over the phone. Keep records of all bills and correspondence.
Contact your state insurance department.
They may be able to help you, but they will not represent you in a private matter. If all else fails you may need to consult with an attorney.
And most of all, do not give up.
Insurance companies count on you giving up. Fight for your rights.
