This is why it’s super important to actually read your contract of carriage. Any insurance company will stick to that like glue. If it’s listed as covered it’s covered. If not, then you’re f-ed. There really isn’t wiggle room. And if you’re having any problems with any insurance company, reach out to the fine folks at your state’s Department of Insurance. They’re actually pretty consumer oriented, and a complaint mediated by them triggers all sorts of pants shitting at insurance companies that a regular consumer complaint won’t.
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