I agree, when it comes to insurance carriers you get what you pay for. I’m an agent I see it all the time. Sometimes when you jump right in and lawyer up you also put the carrier on defense and it can cause worse delays because the process changes once they’re served. Give them a chance.In my case, I would have lost time. Sorry you had a bad experience.
It amazes me that people pay for insurance and then automatically assume that the company they're paying for a service is instantly going to screw them the first opportunity they have. Yes, I'm aware of how insurance companies work. I've seen The Incredibles (sarcasm).
Maybe you guys just need to pay for better freaking insurance that actually does their job instead of having to fight the company you're paying money to in the first place.