Auto Insurance Claims: Stolen vehicle, policyholders rights, certified mail

Question
My vehicle was broken into two months ago and now it is stolen as of 3 and a half weeks ago.  I reported the claim to the insurance company and they immediately put it under investigation with the SIU department.  I have no lien on the car and it had low miles.  I had minimum use to it.  The insurance company is making me pay for rental coverage out of pocket and my policy clearly stated that I should have paid coverage.  
They made me submit a written report of what happened along with a under oath taped interview and they interviewed people in the neighbor hood where the car was stolen.  I have tried to contact the insurance company but they refuse to return my emails or calls.  I have never had a vehicle stolen or did anything wrong with them why would they put me under instant investigation?  Is there anything else that they are going to do to me?  Please help.

Answer
I can't answer the question regarding what their next step is, but you need to contact an attorney with a specialty in policyholders' rights. If the insurance company is saying that you don't have rental coverage under your policy, but you recall differently, there is clearly a bad faith issue. They have the right and even an obligation to their stockholders to investigate any claim that causes suspicion. But if you are innocent of any wrongdoing, you can expect a settlement to be forthcoming.

There are state regulations that say they must respond to your communications, but you need to send them letters by certified mail with a return receipt to prove that they are ignoring you. Make a record of all the phone calls and e mails you sent to the claims office, as you may need them if your attorney files a bad faith suit against your company.