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I am sorry to read about your difficulties.
You need to file complaint with New York Attorney State Department of Insurance. You may also file a Small Claim at your local Courthouse. You can download complaint forms and instructions online.
Goodluck with your case.
I cannot guarantee any result. I am only here to provide information. You would need to take up the issue with department of insurance. That's the agency that would attempt to resolve your dispute with the insurer.
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