Shortfall insurance - Its a trap!!!!

<p>I had a shortfall insurance with hollard via westbank,when the rep from westbank he sold me a pipe dream, he told me that if my car were to be written off then my debt will be settled and last month i was in a car accident and my car was written off and i called westbank and my insurance and i was told that there are no guareentees that i have a valid claim and it turned out that i was to get nothing. my problem is the guy who called me about the short fall insurance and what was said to me when i claimed were two different things now i feel like it was a just a trap to get me to pay more money and in the end Westbank accepted money from my insurance even thou i though i had a short fall insurance. when we are sold the insurance we are not told about all the pros and cons and when we claim only then we are told about the cons</p>