I've had an issue like this once with my business
insurance so now I use a
broker because the agent is actually on myside doing everything he can and walking me through what to say. When I shopped for I made sure to find brokers because I do not trust
insurance companies after that. When I had an incident, my insurance
broker helped me out and told me exactly what to say and do to make sure I was paid on my claim. My
advice is to us a insurance broker and plus they do all the
shopping for you so it saves a lot of time!