Hello friend. My name is XXXXX XXXXX welcome to JustAnswer. Please note: (1) this is general information only, not legal advice, and, (2) there may be a slight
delay between your follow ups and my replies.
I am very sorry for your situation.Can I contest this?
If they denied you wrongly, then yes
. Provided that you have been making payments per the contract
and it was they who made the mistake (and you have proof of sending in payment on time), then they have to provide their services per the contract as well.
Of course, simply stating so does not make it so. As such, someone in your situation may wish to file a complaint with the NJ Department of Banking and Insurance
, see here
Once the state becomes involved, the insurance company may wish to reconsider their decision and put you back on likely, to avoid an investigation into allegations of misconduct
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