It sounds like the insurer is acting in bad faith.
Misrepresenting coverage is generally considered an act of bad faith.
There is an extensive discussion of this issue posted at
citing an Oklahoma Supreme Court opinion which sates:
"[W]hen the insurer unreasonably and in bad faith withholds
payment of the claim of its insured, it is subject to liability in tort.
We approve and adopt the rule that an insurer has an implied duty
to deal fairly and act in good faith with its insured and that the
violation of this duty gives rise to an action in tort for which
consequential and, in a proper case, punitive, damages may be
You can get a free consultation from some of the bad faith attorneys listed by location at
You can file a complaint with the Insurance Department, see
but I suggest that you consult with an attorney who specializes in this type of case prior to taking any action.
Please follow up on this with a local attorney.
I hope this information is helpful.