ampfixer
Beware of lawyers always, they are not your friends. They are lawyers.
Related side-note - last december we filled a claim w/ our pet insurance. After exceeding the maximum delay of 2 weeks by 2 weeks (just that) before they even looked into it and 2 more weeks to actually processed our request, they declined our claim on the basis that it was for a pre-existing condition, even if our vet provided them with all the documentation and specified that this was NOT a pre-existing condition.
So we had to appeal their decision and send yet more paperwork via e-mail (actually, that's the papers we were going to get when we had the accident).
Why am I not surprised having just spoken to them to learn that they apparently did not receive our 2 e-mails which were sent 01/30. How convenient for them! Obviously, they're stalling every step of the way in every way they can. I'm guessing that they make a lot of their money like that because people just give up...
That's the reason why lawyers are the lesser of two evil and a necessity. It's one thing to deal with animal insurances, but for stuff that involves cars and health issues, you need someone to put some weight for you and keep those guys in line because unless there's a potential lawsuit, they'll just try to get away with it by wearing you out.