Get on their ass! If you weren't hurt, I would say just send them a legally threatening and ominous letter using legalese like "Inasmuch" and other ridiculous words, but make sure it looks official. I had to do that. However, since you're actually all messed up, I would definitely get some legal counsel going on, don't dilly dally, it only makes things worse! Insurance companies are in business to gamble about taking money from policy holders and seeing how few claims they actually have to pay. That's how it all works. They usually won't do jack shyte unless they have to!