insurance denies my claim without even inspecting
car insurance denied my claim of my vehicle setting on fire because of electrical problems because i wasn't on my dads insurance policy when this happened. (why he didn't idk rly stupid) regardless, wouldn't this be unjustified because this could have happened to anybody driving the car and i could've technically been borrowing my dads car since the car is in his name. Also, the adjuster never looked at the car either at all he never inspected it yet they still denied it.
Not related to this at all but if they thought it was fraud, why would I do this when I am literally losing money doing all this shit.
Location: New Jersey