Your insurance carrier can’t access your policy for over 24 hours because their systems are down? That is highly unusual.
Your insurance company should help here. They don’t want to pay these charges. And I suppose AMA doesn’t want to either, but I suspect they will have more “heart” than an insurance company.
This kind of insurance fraud happens all the time. People seem to think ripping off insurance companies is a victimless crime. It happens with car breakins, storm damage etc.
The guy must have been a helluva smooth talker to get you to fork over $1300 for something that would have been free. If it makes you feel better, that is a cheap price for a valuable lesson. Lord knows I have made stupid decisions in my life that cost me more than that.
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