Fred Loya Insurance $225 a month for Full coverage insurance got me nothing McKinney Nationwide

 I have been a client with Fred Loya Insurance for a year. I pay $225 a month for full coverage. I was hit 3 weeks ago at 8pm at night. I have never been in any type of fender bender. So, the young lady was sweet, apologetic, shaken up. I mentioned we should file a police report, but she begged me saying she had to be somewhere. So, i felt bad and just exchanged paperwork. The following morning i filed a claim with my insurance company, Fred Loya. Yesterday, i received a certified letter stating that they will not accept my claim because i didn't notify them "promptly " in writing. How can i pay full coverage for something and be told no? How is calling within 12 hours not prompt? How am i to know it has to be in writting? Wouldn't that take days to get to them by mail? Biggest scam ever. Now, i have to find a bad faith attorney and pay out of pocket. Worst nightmare ever. Do yourself a favor, avoid Fred Loya at all costs. If there is a class action law suit going on, please contact me. I'm in.