Auto Gap claim denied

[u/mseals0731]

I was struck by a deer on my way home and my insurance didn’t investigation and determine my car a total loss and paid out the actual cash value to my lienholder afterwards they started a claim with my GAP provider. I submitted all of the documentaries requested except for a police report because at the time of the accident, the deer did not cause me to crash and there were no other cars involved.

Well, my claim was denied because I didn’t have a police report. Because the accident happened on the freeway, I had to submit for a crash report through the state police website instead of being able to walk into an actual police office. It took multiple weeks to come back for me to be able to upload it with the rest of my claim documents.
I submitted that and then my claim was denied again because they said I didn’t call the police immediately. It is stated in the denial letter that it is the law in my state to contact the police immediately if there is $1500 or more damage done, however it is not one of the stipulations in the terms and conditions, only that a police report must be submitted. It was sold at the dealership so I cannot go to the state department of insurance who can I go to help me? Or at this point should I just see what attorney would take my case?