Well the insurance company finally called...

This will help.

Contact them and ask for the evaluation report. They have to provide it. Then check their homework. Most policies refer to "principally garaged area" which means your zip code. I find that a lot of times the person doing the evaluation finds vehicles not in your principally garaged area and usually have the wrong model etc.

Call them on it.

You state should have an insurance website, in Washington it is: http://apps.leg.wa.gov/WAC/default.aspx?cite=284-30

sections 391-394 apply. Your state should have similar.

Its not that they are crooked, but when you have 1 million claims and you can underpay each claim by $500 it is a huge motivator to overlook a few minor details.