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You have a couple of options. You can file a claim with your state's Department of Insurance. I have found that seldom gets results but it does have the advantage of not costing anything and being relatively easy to do.
A better choice, as far as being more productive, is to hire a lawyer and pursue them for bad faith.
and breach of contract.
A lot will depend on the wording of the contract/policy but any ambiguities will be construed against them so you have a good chance on this.
I have fought them on a similar issue in a different state and they backed down before it was necessary to file a lawsuit but insurance companies are getting more and more unreasonable so you might have to actually file a lawsuit to prevail. At the amount of money that you owe it certainly justifies doing so.
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