Can the insurance company legally misrepresent?

No, we have all companies phoning us all hours of the day and night. They are not aloud to do this. If you don't answer they can phone you until you do but if you answer they cannot/should not phone...

the new born child in the family

Not sure about 'legally', but they must fully investigate all aspects of the claim, this would minimally consist of statement from all parties inspection of damge, etc.

Alliance insurance group is an actual insurance company. They provide many insrance services including auto, life, and mortgage insurance. They are known for their excellent customer service and...

When an insured purchases an insurance policy they pay the insurance company money for the insurance coverage. This money the insurance company collects is called insurance "premiums". The insurance...