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My car was broken into, window busted out and heating system ripped out to get to my car radio. It was stolen.

I called my claim in about 4am and got my police report on 2/6/11. 2 days later the claim adjuster called me back and said I wasnt covered. Said did I know I didnt have comprehensive coverage, told him no never heard of it. Said did your agent ever talk to you about this I told him no.

I called my agent over and over the week of 2/6 and STILL have not had a call back. I explained it all on his vm and still no call. If this happen again BEFORE I get comp coverage I will be footing the bill for my car again because my agent doesnt want to call me back.

I know he has been in his office because he changes the vm each day with the day of the week on it. I use to love Shelter Insurance, now I dont know if I even like them.

Monetary Loss: $306.

Location: Lexington, Kentucky

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It is imperative that whenever you purchase insurance whether it be for your auto, home, medical, whatever it may be...that you review your policy declarations page. This will outline your coverages, if it's not there, you are not paying for it.

Your insurance company is only legally and contractually obligated to pay out for coverages up to the limits you purchase at the time of a claim. If it's not there, you don't have it. Not necessarily the companies fault, it's the coverage you purchased.

Agents are mostly commission based so you may want to consider finding another agent as it sounds like they did not educate you on what you had and are unavailable when you need them, don't allow them to make money off of your policy and call Shelter directly and file a complaint against the agent. They won't know there is a issue with your agent if you don't contact them directly.

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