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Welcome and thank you for your question. I will be the Attorney that will be assisting you. Can you attach a copy of the insurance policy to see if in fact that is what you and the insurance company agreed to in writing?
We would need to see the fine print. If they are failing to uphold their end of the deal you can file consumer complaints against them as well as complaints with the State and you always have the option of filing your own suit against them depending on the amount of money involved this may be a small claims matter.
The FTC will take a consumer protection complaint and follow through at http://www.ftc.gov/
You can also file complaints with the State Attorney General where you purchased the warranty. Please let me know if you have any additional questions for me.
Please do not hesitate to ask me any additional questions that you may have with regard to this matter. It would be my pleasure to continue to assist you. Please let me know how everything works out.
If you would be kind enough to rate my service positively so I will receive credit for my work I would appreciate it.
YOU DO NOT HAVE TO PROVIDE A NEGATIVE RATING TO RECEIVE A REFUND.