This doesn’t seem quite fair. A Detroit woman woke up to find her Dodge stolen. Her insurance company then refused to cover the loss. The reason? She failed to list “household members” who had long since moved out of her home.

She said she was heartbroken that morning. “Open up the drapes and look outside, then discover the vehicle was missing.”

Luckily, the Michigan woman had Ring camera footage of the moment thieves stole her 2019 Dodge. She reported the theft to the police immediately. She also contacted her insurance company. “I was in touch with the adjuster the entire time.”

Five days later, authorities recovered the car. Unfortunately, it was destroyed.

She used CURE Insurance. The company valued the vehicle as a total loss at $22,724. So far, everything seemed straightforward.

Why the insurance company reversed course

Then the adjuster said something alarming.

“The last step was to turn over the title and the key and that was the last process. When I was getting ready to ship it to her, she told me just to pause for a few minutes because they were reconsidering.”

By “reconsidering,” it appears CURE meant grasping at straws.

One week later, the provider told her it was denying the claim. The company said she failed to list all drivers in her household. That was the problem. The recently divorced mother of grown children lives alone.

The woman says the adjuster Googled her address. When other names appeared connected to the property, the adjuster attempted to deny the claim.

What do you do in this situation? Lawyer up.

Her attorney sent a letter to CURE. It explained the driver “disclosed that other people use her address for mail purposes but do not live in the house when she was filling out paperwork after her car was stolen.”

CURE’s response was blunt: “The decision to rescind your client’s policy has been upheld.”

The Dodge owner said she was devastated.

“It makes me feel terrible.” She added, “It makes me feel sad. It makes me feel frustrated. We already have extremely high rates in the city of Detroit, but when you’re paying for full coverage, and something happens not at my own fault and then they renege on me, frustrated.”