My wife has been in the insurance industry for over 30 years. A lot of the problems are that people don't read or understand their policies. Number one rule is to buy insurance from a AAA rated insurance company Prudential, State Farm, Farmers, etc. The old adage You Get What You Pay for certainty applies to Insurance companies Most states have a Department of Insurance which you can send your complaint to. The Department of Insurance, by law must send the complaint to the Insurance company and they must respond to the Department and to the person who submitted the complaint.
I too hate insurance companies
Good luck
Mike