Over the years we have read many tales of woe with Progressive and some others.
Call your State Insurance Commissioner. a
Any Insurance policy read the thing especially the fine print on what I not covered.19years old is nothing if properly cared for.
I don't recall reading one where it said once your unit is over 15 years old or 19 years old we will still collect the premiums but you won't have coverage!!
The Insurance Commissioner will let them know you collected the premiums, the policy was active, pay up.
if they can establish the value of the rig is less than $13,000.00 they may total it or try to.
Different states have somewhat different insurance laws on some items but you paid your money,with expectation of being covered.