I was involved in a no fault accident on the 28th of Sept. On the 29th I discovered that my car was still listed as storage coverage only and after speaking to a claims rep my coverage was backdated to the date I had originally taken the car out of storage.On the 2nd of Oct, a claims rep, (different one) called, took a statement, and told me the claim coverage didn't "look right" Later that same day I got another call saying that they were unsure of whether I did or did not have coverage for the accident. I then received an email saying that they are not responsible for expenses incurred while they were investigating. I was informed I had to give another coverage statement before they can proceed. The claims rep said that they don't have access to the files telling them how or why a change had happened since the 29th of Sept when I was told the coverage was in effect. Since that time I have heard nothing back? The amount owed as of the call on the 2nd of Oct was over $500.00 for tow and storage.I would like to know if I am responsible for all of the additional storage charges while they are investigating and if it is legal for them to make changes such as described above without notification? I am a disabled veteran running a nonprofit and have a fixed income. Thanks you in advance for any info

About The Expert

Amy Bach

Amy Bach has been a professional advocate for insurance policyholders since 1984 and an attorney since 1989. She co-founded United Policyholders in 1991 and serves as the organization's Executive Director and primary spokesperson; shaping and overseeing the Roadmap to Recovery™, Roadmap to Preparedness, and Advocacy and Action programs. She is a nationally recognized expert on insurance claim and legal matters; frequently interviewed in print and broadcast media, and the author of numerous publications including "The Disaster Recovery Handbook", "WISE UP: The Savvy Consumer's Guide to Buying Insurance" and consumer tips and guides in the UP Claim Help Library.  Recognized by Money Magazine as a Money Hero, Bach is in her eighth consecutive term as an official consumer representative to the National Association of Insurance Commissioners, and is a member of the Federal Advisory Committee on Insurance.