Let me clarify something that Jetline pointed out.
The $3000 liability limit is not the maximum allowed by law. Carriers are allowed to set their own liability limits. The 3K limit set forth in 14 CFR 254 is the minimum allowed by law. Carriers are just not allowed to set their individual limits below what is stipulated in Part 254.
Leftbehind, if you still have not heard anything from Spirit, contact the Department of Transporation (
http://airconsumer.ost.dot.gov) and file a complaint. We should be able to get a response out of Spirit.