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OP, you may be in lawyer territory. Not to sue the insurance company, though it may come to that.
A lot of these companies will give riff raff (you and me) the run around.
But once an attorney enters the picture, they have to get their attorneys involved and typically corporate attorneys aren’t cheaper than one you hire. So the incentive to resolve the situation quickly is higher.
At least for a short time. So a short phone call from your attorney to them will often get the attention of the right people.
If Katie Porter ran, I’d 1000% take a leave of absence at work and work her campaign.
She is the progressive we need in the White House. I hope she runs in 2028.