Sounds like you have a lizzard for your insurance ... or a poor agent. You can try asking for a case review, might help.
Just remember, insurance companies have pockets much deeper then your's. If you can prove this is their SOP towards their customers, a class action suit may get their attention.
No matter how fast I go, there's always someone slower in front of me.
JB4 PNP .... Love at every stomp on the go pedal!