My car was stolen on April 29. My insurance company is stating they will cover the value of the car and up to $200 worth of belongings inside. This $200 limit was only mentioned after the claim was made, and is not contained anywhere in my policy. It was not contained on the declarations page (what I see when I buy and thus agree to the policy) and was also not contained in the 39 pages worth of fine print that was mailed out after I purchased the policy. The company states that this limit appears in section 3 of the "contract." The "contract" they are referring to, however, is a standard contract that they are supposed to send out. They never sent it to me. If I didn't see it or agree to it, how can it be a contract? How can I fight to recover the ~ $2,000 worth of belongings in the car?
