First off, you need to cancel. The California Department of Insurance and probably many other states have issued a Cease and Desist Order for USCT. (See Here: http://insurance.ca.gov/0400-news/01b...)
It's not a perfect answer, but I often tell people not to buy from an insurance company they've never heard of unless they do an extensive amount of research to prove to themselves that it's a reputable company.
Use a reputable insurance broker with good reviews and these problems will be a thing of the past. Insurance Brokers services are free of charge as they are paid a commission by the insurance companies.
Source: http://www.iHealthBrokers.com
