I was wondering if you all could help me. I am a Missouri citizen and my insurance company is out of PA. They are really trying to be crooked though and I didn't know if there were any statute(s) or reg(s) that would protect me or help me in this situation. I stored my boat at a company, the owner happens to be an old friend of the family who recently has been doing really poorly and got divorced.

He blamed everyone around him and did some pretty nutty things. He even sold my boat or parted it out supposedly without the title. Again though I had the storage/mooring location as his company name and company address. Insurance is stringing me along months now and recently said I need to sign over the titles and send them to the salvage company which I did. Then later they wanted a proof of loss form 2 months after the fact and said that would give them 30 days before they had to pay anything out.. then they said they needed my examination or deposition which they got..

At the deposition they outright said this falls under an exclusion (now 2 months after the fact). The exclusion says, "We do not pay for loss or damage caused by the dishonest, illegal, or intentional acts of any covered person, or any person to whom your insured property is entrusted, regardless of whether or not such person is convicted of such an act by a criminal court".

So I'm 99 to 100 percent sure they will deny it probably in a week or so after all of this.. Do I have any rights against this greedy company? I am out all this money.. Does Missouri counter-act this exclusion at all because that would supercede the exclusion.. Thank you so much and God Bless

Sorry, but no. If that clause is, in fact, in their policy you signed the policy therefore you agreed to the clause.

What you can do is sue the owner of the storage facility. Maybe his liability coverage will cover this.

You could also report it to the police since, he, in effect, stole your boat. They may be able to recover it from whoever currently has it.

But your carrier is within their legal rights.