Can I sue my insurance company for failure to provide insurance options that may have helped us recover more money regarding our stolen property?
Question Details: Our house was robbed. A number of electronics, cash and all my jewelry, over $12,000 worth, was stolen. My insurance covered the electronics, $500 in cash and only $1,000 for my jewelry. When speaking with the insurance adjuster he told me my agent should have offered me the add on policy that would have covered all my jewelry. I was not aware of this extra add on or that my policy only covered $1,000. I'll never be able to replace what I had. My wedding ring alone would cost over $4,000 to replace.
No, you can't sue them for this. (Or more accurately: you can try suing--pretty much anyone can initially file a lawsuit for anything--but you will lose.) There is no viable cause of action or legal claim for this, because the insurance company had no affirmative obligation or requirement to list or provide all your different insurance options. You could have asked about what other or different coverage they could have provided; they did not need to suggest it.