Legal Question in Business Law in California

There is an element of "Don't believe me!" in your question. Medical doctors don't misspell "patients" and "expectant" nor write "been rejected $45,000."

However, just in case the question is somehow legitimate, here's my guess. You are confusing the insurance agent with the insurer. Independent insurance agents are like gas stations; they sell the stuff, they don't make it. If you have a claim against Chevron, you'd present it to the refining company, not Joe's Chevron on the corner of Fifth and Main.

If it is truly the risk-bearing insurer, and not just an agency, I recommend that you contact the California Department of Insurance. Their Web site is found at www.ca.insurance.gov - but I'd suggest spending a little time to try and contact the proper person by telephone. The major insurance companies are subject to regulatory rules and review, and usually there are massive back-up plans in place to prevent losses to their insured parties due to bankruptcy or similar disasters........and if it is an agency or similar intermediary, I'd recommend trying to go up the chain of command to the true insurer.

You're a "doctor" and you spell patients as patience? Expected mothers? Expected them to do what? Did you not have to submit a writing sample as part of the MCAT?