[Don]

I may have missed in the postings, have you presented your documented case to the Attorney Generals office, i.e. Consumer Protection etc etc. ? They may have a different perspective than the Insurance Commissioner, either civil or criminal. Seems that AG awareness and involvement is a catalyst for resolution.

i had an incident a number of years ago in another state that after contacting the Attorney General's office, all the obstacles to resolve disappeared and timely communication became the norm. Fortunetly, at the start I had used certified/registered US Mail, with delivery return receipt , to add creditability to the time line, probably not too late to start with the agent and Insurance Company.

In an earlier posting the policy effective date & time, cancellation/renewal notice etc was mentioned. Has the agent and insurance company referenced the policies' specific clauses ( fine print ) governing these actions ?