United equitable insurance United Equitable Insurance Refused to pay my insurance claim and did not even return my premiums I paid skokie Illinois

I purchased an auto insurance policy from a brokerage called insure on the spot. insure on the spot gave me a full coverage insurance policy for my 2011 Nissan Altima from an insurance company called United Equitable Insurance. upon purchasing this policy I only was asked about the vehicle I wanted to insure, the drivers of my vehicle and my current address. I gave my vin number, my license number and my wife's license number as well. I paid my premiums and I was told I was covered. I needed full coverage because my car is being financed. I had a six months policy which I paid in full Within four months. I later had a car accident one month before I was supposed to renew my policy. My car has over seven thousand dollars in damages. I filed a claim and within 48 hours my claim was denied. I was told that I misrepresented myself when I purchased my policy. More specifically they said I had moving violations from 2012 and my wife's license was suspended. I was never asked about my previous driving experience and we didn't even know my wife's license was suspended. I explained to the claims adjuster that I was never asked about my driving experience. I was driving my car at the time of the accident, I have pictures of my injuries and I went to the hospital. United Equitable still refused to pay my claim. They said my policy was null in void and that they would return my premiums. my accident was May 3,2015 and I have still have not received my premiums. Also two weeks later after this company denied my claim they sent me a bill for towing my car to the shop they told me I had to take my car to. I am very upset with this company because I feel they just looked for any reason to not pay my claim. I also asked the claim adjuster isn't it the company's responsibility to run a motor vehicle report of the drivers trying to get insured and I was told they can pick or choose who they run their mvr. i knew then this company was a ripoff. Now I'm stuck with a car i can't drive, a car payment for a car can't drive and eventually my credit possibly being ruined if I don't continue to make the payments on my car.