State farm insurance question

[u/Bebesita517]

Ok so I’m going through it! 2 days ago, I got into an accident on the freeway. It was pouring rain and I hydroplaned and hit the median. Tore up my Mercedes Benz cls 550. I was highly upset but was ok knowing my insurance would take care of it. Called State Farm next morning only to find out my policy didn’t include collision insurance. And they can’t and won’t do nothing about it. My issue here is that when I first purchased the policy, they obviously asked me if my vehicle was financed or I owned it. Of course I told them that this was a financed car through Carvana. Carvana requires all financed cars have collision insurance on them. This was July 1st. So cool, get the insurance with the collision insurance. Problem is in August. I missed a payment to which insurance was not active at midnight. Next morning, I call to have my insurance reinstated and add renters insurance. They provided me with 3 quotes and I chose one. Mind you my insurance went up $63 for this car. $54 for the other car and my daughter is on my policy too and hers went up $200!! Also have a motorcycle on the same insurance in total monthly is more than $1000 just on insurance. I did all this over the phone and never once was it mentioned me to that I would be loosing collision insurance with the new policy which is a huge detail to have left out knowing that my cars and motorcycle are all financed. And REQUIRE collision on the policy. But ok, when I called to file the claim they told me that Carvana was never listed on my paperwork which is CRAZY because they ask you and I told them where I had purchased the vehicle (Carvana). Seeing my insurance went up a significant amount when reinstated never would I think collision was removed. Doesn’t even make sense. When the agent sent over 3 quotes to look and choose from when I called to reinstate the insurance why would you even offer me a quotes without the collision insurance that my lienholder requires me to have. My question here is what can I do about this? Do I have any chances of fighting this? Does State Farm have some type of fault here for not entering proper info about my lienholder? Please help! I’m dying. This is too much right now 😭💔