In my initial phone call with our "claims adjuster...

In my initial phone call with our "claims adjuster" I was told it takes an average of 10 days to review the claim and send it to the under-writers for approval. Over a month later, she scoffed and said "I never said that". No, I just pulled that sentence out of the air.... Anyhow. I submitted the claim form at the beginning of the month of March. Now July, MONTHS later, they send me a denial letter and right before the holiday too to boot so I can do nothing other than file online complaints with the California State Department of Insurance and the State Attorney General's office. and send them emails disputing their denial of our claim. They say no accident so no injury. Yet the kid was injured on a school field trip and came home injured and I had to pay hundreds of dollars out of my pocket to cover the costs of co-pay and portions not paid by the regular insurance. DO NOT trust this company as far as you can throw it!