Insurance threatening to void my policy because I didn't list household members — was never even asked

This is a classic delay-and-deny move. They go fishing during your recorded statement, find something that sounds like a discrepancy, and then manufacture a reason to stall. The fact that you have screenshots of the application flow showing that question was never asked is HUGE. Do not let those screenshots out of your hands and back them up in multiple places right now.

A few practical steps that might help: First, submit a written request to your insurer asking them to identify the exact question on your application that you allegedly answered incorrectly — make them point to it specifically. Second, most states have an Insurance Commissioner or Department of Insurance where you can file a complaint if you feel a claim is being handled in bad faith. Third, keep a log of every phone call — date, time, name of rep, what was said. That paper trail matters if this escalates.

Not legal advice, but what you're describing could potentially be a bad faith claim handling issue depending on your state. If the insurer is denying or unreasonably delaying a valid claim using a justification that doesn't hold up — like a "misrepresentation" about something you were never asked — that's something an attorney would want to look at. Many PI attorneys take free consultations and some handle insurance bad faith cases. Might be worth a conversation.

Almost the exact same thing happened to me two years ago — different scenario but same vibe where the adjuster seemed to be hunting for something to disqualify my claim. The moment I stopped talking to them on the phone and put everything in writing, the tone shifted completely. They're way more careful when there's a written record. Stop doing verbal-only communication with them if you can.

Please don't let the insurance stress make you neglect the neck and shoulder stuff. I see patients all the time who put off follow-up care because they're waiting for insurance to sort itself out, and then the gap in treatment gets used against them later. Keep going to your appointments and make sure everything is documented regardless of how the claim shakes out.

You have screenshots. That's your whole case right there. Don't overthink it — get a PI attorney involved now, hand them the screenshots, and let them send the letter. Insurance companies fold a lot faster when there's a lawyer's name on the correspondence.